Consumer Protection Law
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Yes, one's insurance will go up if their vehicle is involved in an accident, even if it is by a third party.
The car insurance follows the car, so the car's insurance takes primary coverage status, and the permitted driver's own insurance would serve as secondary coverage. Some policies have a one accident free policy where if there have not been any accidents within a certain time frame, rates will not increase;
but that varies by policy.
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If they don't have any information on who dropped it, that is correct, they would have no way to seek recovery from the other person.
So basically, CA is an at fault state, meaning the driver is at fault unless someone else is at fault (ie another driver is liable).
Collision insurance covers stationary objects, while comprehensive covers airborn, so there is a distinction.
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