Generally speaking, if your insurance has to pay out, then there probably will be an increase. Good luck.
In a perfect world, they would pay. Unfortunately, your car is covered by your insurance company and if the accident was the fault of your friend (in your car), then you insurance company must pay. If all of this was without your permission, you could press charges and try taking the person to small claims court for damamges.
Many people do this, but it is not recommended. It is still considered an attempt to defraud. I recommend that you use this situation to check around for cheaper insurance with the new accident as a part of your quote. Some insurance agents will pull your record and not see it, and not include it in the quote, you may fly under the radar for that first year, and enjoy a lower premium, but let that be something that they do. Just be careful with disclosure laws, many insurance companies deny claims when people leave things out.
I don't know exactly how AIG is setup but tickets and accidents usually stay on your insurance for 3yrs. During that 3yr. time frame you will have points on your insurance, the more points the higher the premium. Some companies will look back as far as 5yrs. If your accident is older than 3yrs. but still within 5 it my affect how your policy is tiered. The accident at that point my not cost you any points but because you have had a ticket or accident in the last 5yrs. you may be placed in a different tier than someone with a clean driving record because you are considered higher risk.
When people have accidents in their automobile and someone is injured it is required to report it to the police and to their insurance company. This is because the injured person may need a doctors care and the person responsible for the accident is the one that will be required to pay through their insurance company.
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