Auto Insurance Claims: How it effects my insurance if friend crashes my car?, accident claim, increased rates

Question
Today I let my friend borrow my car for the evening. While out, she ran a red light and an oncoming vehicle hit the rear left door of my car. Nobody was injured, and it's my understanding that the other car underwent little to no damage.
I know that my insurance will be held accountable, but I've never been in an accident or gotten a ticket myself, and I'm just wondering if there is any way keep future insurance payments from sky-rocketing. (I'm in college, so it's already a little pricey because of my age.)

Any tips or options would be incredibly appreciated. Thank you so much for your time.

-Sarah  

Answer
Unfortunately, this will probably affect your insurance rates.  Most insurance carriers use a point system in their underwriting process.  The problem with giving you a great answer is that each insurance company has its own underwriting guidelines.  It is possible that you may be allowed a couple of at fault accidents (like the accident forgiveness offered by some carriers), but it is also possible that one accident will get you a non-renewed policy when it comes up for renewal.  

In general, most companies will use a dollar threshold and will not increase premiums or add points for one accident up to a certain dollar amount, usually something like $1500.00 to $3000.00 in severity.  The only way to find out how it affect you for sure is to call your insurance carrier and ask to speak with the underwriting manager / supervisor and directly ask them what their specific policy is.

I hope this helps.