<prompt> Human: Im currently 19 and was in my first car accident yesterday. I was at fault but luckily for both cars the damage was only cosmetic as far as I know. I was only paying 93 a month and now it went up to 289. How is that even fair? Is that normal.  <response>: How is that even fair? Is that normal. Insurance rates dont have to be fairThey have to be profitable.You just cost the insurance company lots of money due to your at-fault accident. So now they want it back by increasing your premiums. 