in some ways it probably doesn&#x27;t matter - if you are an otherwise safe driver that lives in a county full of side-swiping jerks then your rates will go up because you&#x27;re a higher risk to the insurance company than a safe driver that lives in a county full of other safe drivers. they already do this by considering where you live and work when calculating your rate.<p>you <i>are</i> a higher risk, because you live around a bunch of jerks. is it your <i>fault</i>? not really, but the insurer isn&#x27;t there to assign <i>fault</i>, they mitigate risk.