Answer:
It is not legal for an insurance company to raise your premium if you were involved in a crash that wasn't your fault. In case that happens to you, you should first contact your insurance broker, but if he/she doesn't fix the issue, you must contact your state insurance department and file a complaint against your insurance company. Depending on which state you live in, you can file the complaint online, by phone, by mail, and/or email. If you live in your state capital city, I guess you can probably do it in person also.