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Absolutely not. A driver with a learner's permit is presumed to be driving with the same caution and, along with his co-driver (ie, the adult next to you), similar experience.

Your parents shouldn't see any rate increase in their insurance premiums if, as you say, you weren't at-fault for the accident.

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Q: Are you always at fault in car accidents when you are driving on a learner's permit?
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