Hello forum, the following situation. I had an accident with a cyclist with my car about 2 months ago, we agreed not to make any claims to each other and to pay our own damages. On the advice of the police I reported the accident of my insurance. This now changes my SF from 25 to 12 and my contribution rate from 24% to 33%, which represents an increase of about 115 euros per year. Now my questions: May my insurance (Lippische Lan) the fire insurance ) increase the contributions although it did not make any damage regulation. How should I behave now. Perhaps another information: from the police the accident opponent and I each received a fine. Thank you in advance for your information.