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I had my first at-fault accident after 22 years of driving. By all measures, it qualified for a minor accident status, with $1200 repair cost to the other vehicle and $0 to mine. My license plate mounting bolts left an imprint in the other's bumper cover, that was it. I wanted to pay off the other driver, which the Cooperators was okay with (minor accident stipulation in Ontario insurance law). However, the other driver did not want to be paid, they wanted their insurance to handle it. So then, the Cooperators, unwilling to consider the minor nature of the accident, held it against me and jacked up my rate 50%.