[SoK]

During the claims process, be sure to try and negotiate a bit when they make you an offer after totalling it. If you've had recent work done and still have receipts, thats good ammunition to help get that offer up.

It'll probably be a week or 2 before you get the offer.

I'm not sure what the "accident forgiveness" policy is with your company (who are you with? I may know since I sell in Indiana), but if you have 0 accidents, tickets, citations, etc. in the last 5 years (may be 3), you'll more than likely have this forgiven (no direct surcharge for the accident).

Honestly, credit is one of the biggest factors to insurance rates anymore. If you have excellent credit, even if the accident isn't forgiven, it shouldn't change a ton. If it does, PM me and I'll rerate you (I write anywhere in Indiana, Ohio and Kentucky).