&gt; Not being at fault is not the same thing as not having exposed yourself to heightened risk.<p>By moving in next door to a drunk, how dare you.<p>The problem with your example, and the reason it doesn&#x27;t apply to this particular discussion, is the rates will go up if a drunk drives into your garage door and hits your vehicle.<p>Is it because of a heightened risk, or is it because the insurance company removes you from their special &quot;never had to pay anything out on you&quot; list?<p>someone who gets a DUI is at an increased risk for wrecks, this is reasonable.  Someone who is parked in a parking spot is not, that is not reasonable.  The driver is <i>already</i> paying a rate based upon where they live, they have ALREADY paid for that risk.