Hello people, after more than 33 years of accident-free travel, it got me ice cold yesterday. I caused an accident. If it had been with my own car, everything would be clear. But unfortunately I was on the road with my girlfriend’s car when it happened. The accident damage to her car is of course 100% carried by me. The accident damage to the opposing car due to their liability insurance. But what interests me is now, how is this with insurance Hochstufun g ? Is my girlfriend now upgraded in the insurance premium although she has not caused the accident at all or can I take this upgrade to my own insurance ? Thanks for your hints and experience tips