I guess for a certain percentage of 'not at fault' incidents, it was still avoidable if the not at fault party had been a 'safer'/more cautious/better driver? Therefore it's indicative of being at greater risk of causing a incident in the future...
Absolutely. Insurance companies do consider being part of a no-fault accident to be a risk factor and it will affect your premiums for future years.
Amazing that is not a write off. I've seen many deer + car collisions where the car is totalled. I've met ex-US Park Rangers who have seen moose collisions that write off large SUVs.
I had a muntjack deer casually stroll out in front of me yesterday evening. Shopping ended up in the footwell, muntjack lived to play A10 chicken another day.
Absolutely. Insurance companies do consider being part of a no-fault accident to be a risk factor and it will affect your premiums for future years.