Yes, All losses incurred are used to properly evaluate your risk. If you frequent places where vehicles are stolen or even if you live in an area with high accident or vehicle theft rates then this obviously effects you insurance premium.
At renewal.
Insurance company have premium rates, Not inflation rates.
They may raise your rates so I wouldn't tell them.
In Michigan, if another driver is at fault and ticketed, my insurance company and probably others, will not raise your rates. If you are at fault, even if you are not ticketed because the accident was unavoidable, your rates would go up. My insurance company won't raise the rates for one accident, but will raise them for a period of three years after a second accident. If no more accidents during the three years, the rates go back down. If someone else is driving your car and has an accidents the same answer above applies. If you are parked and someone hits your car, even a hit and run, your rates don't go up. Other states may have other rules.
A traffic ticket could raise your insurance rates. It won't raise them right away, but may come into play when the insurance is being renewed.
Yes it will. Regardless of what state you get ticketed, your insurance company will catch wind of it.
Absolutely, the fact that you are cited or not cited will not apply. The insurance company will determine your fault. For example, an accident caused on private property doesn't fall under police jurisdiction but you still caused it so your company would raise your rates.
Yes they are, and the majority of time that is when they will raise rates, especially when you are at fault. If you were at-fault for the accident and had to make a insurance claim, then your rates will definitely increase, since you are a higher risk driver, and the insurance company had to pay out because of you. If you are in an accident that you were not at fault, then your rates should not increase but they might. Some companies again see this as you being a higher risk driver since you were in a accident, even if it wasn't your fault, so they will raise the rates. If this happens, I recommend switching insurance companies, as a good company should not do this. In either case your rates will not increase until your insurance is up for renewal. At which point, if they do increase I would recommend looking around and comparing prices from other companies
It can definitely raise your rates.
cost of inflation
Yes, in some cases your insurance company will raise the rates on your policy if you receive a ticket for driving while using the cell phone. AAA offers discounts for safe drivers.
What do you mean they missed? If it is a chargeable accident then I would think yes, but to be sure I would contact your states dept of insurance.