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I was rear-ended and the accident was in no way my fault. The insurance company said that because I needed a new muffler and new exhaust and my car was 6 years old that I had to pay a betterment fee for the repair of $350. This was because they were giving me better parts than those that were on my car prior to the accident ... well, my car was worth more before it was hit and I would not have replaced those parts if I wasn’t rear-ended. Beware of hidden fees. After 10 years with no claims, I will be looking for a new insurance company at renewal due to my first not-at-fault claim.