u/2Die444

Hi, I’m looking for advice. My insurance is around $480/month even though I’ve never had a parking ticket or any violations.

There’s an accident showing on my record as at-fault, but I wasn’t the one driving. Another person on my policy (a sibling) was driving my car at the time. (I was not even present during the accident)

Is this supposed to affect me like this? And what’s the best way to get it corrected or separated from my record?