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If someone rear ends you while a designated driver was driving your car is his or your insurance affected?

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If the designated driver was sober and not breaking any laws and did not get any traffic citations, your insurance should not be affected. If the investigating officer gave the OTHER driver 100% responsibility for the event, you're ok. BTW, thanks for using a designated driver.

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First answer by Redbeard. Last edit by Redbeard. Contributor trust: 1950 [recommend contributor]. Question popularity: 7 [recommend question]

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If Someone rear ends you but you had a designated driver who was driving your car does his or your insuraance effected?