Like I said, there are multiple variables and there are different levels of coverage.I think you live 5 minutes from me? My truck got hit a few years ago. Deductible, rental car etc paid by other party. Insurance wasn't affected. Another case I got hit by debris on freeway. I paid my 500 dollar deductible and that's it. insurance not affected one bit.
I think you may need to shop around for a different carrier. I have AAA for all three of our vehicles and my boat. No issues whatsoever.
The last time we were hit it was by a truck carrying water cooler jugs that lost control coming down La Jolla Parkway. The owner of the truck was self insured. Experts at stalling and giving the runaround. Our carrier was good to us, bottom line it was a major hassle and cost us money - over $1K.