<prompt> Human: I have been in a far too many car accidents within this year, my fault or not, than I should have. Of course I realize my insurance rates are going up, naturally. But what I dont know is which of my options will have the least impact on my rates? So heres whats happened... First Accident: Rush Hour Traffic, I rear ended from behind, and into the car in front of me. My car was totaled. Luckily, no major injuries. I was not cited. Previous to this I had a good driving record. No moving violations No speeding, Traffic Infraction, etc save for a rolling stop, a parking ticket, and one fender bender.Recently, someone cut me off from an illegal lane and I connected with his side panel. I was citied, but I am contesting it in court. However, my rates had increased after this accident I was in.Now to my issue. This last event was out of no where. Parked my car legally on the street. And my father backed into it with his truck. We have not reported the claim, yet. Instead I have collected a few official repair estimates.Right now neither of us can really afford the estimates we can find a way, if need be. 2300 for the first estimate and 1700 for the second. The former is a recommendedpreferred by my insurance company. So it looks like the move should be to report to our insurance company same householdsame company but I pay my own policy. We both fear our rates will increase. I have a job, he doesnt.How would reporting the accident as a hit-and-run affect me as opposed to reporting as it happened where he damaged my car the way he did? I ask Reddit because I dont want to screw my old man over, not really anyway, but I dont want to pay a lot for this and I undoubtedly will have to... Ive been trying hard to clear my debts and get back on my feet. So, any thoughts?I am not trying to commit insurance fraud, I am just trying to understand all of my alternative solutions to my situation. Thanks, Reddit!Edit: Thanks for all of your input, guys! Its appreciated.  <response>: Previous to this I had a good driving record. No moving violations No speeding, Traffic Infraction, etc save for a rolling stop, a parking ticket, and one fender bender.Dont lead with saying you having no moving violations and then follow it up with a couple moving violations. 