First, you need to report this accident to your insurance company's claim department. You need to let them know everything that happened. Then, if you were wrongly ticketed and your insurance company agrees, you should fight the ticket. Otherwise, the 'at-fault' will remain on your driving record. And, depending on the insurance company, this will be applied to your insurance premiums for the next three, five, or seven years. Also, unless this ticket is dismissed, your insurance company will have to pay for the claim.

If your auto insurance company increases your insurance premiums due to this accident, you can click here to get a quote to compare rates.