Depends on your company and situation. There are too many variables to give a good answer. I would call and ask. Just give them a hypothetical and see if your rates will change. Remember, they work for you, and you have no reason to fear them. You can always take you business elsewhere.
You are responsible for the damage you cause in an accident, regardless if you are insured or not. Having insurance transfers your responsibility to pay for the damage from you to your insurance company. If there are injuries to the other party, then the other party's insurance should pay for their injuries, but you are still responsible for the property damage you have caused the other person.
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