I've avoided accidents by hard breaking twice in the last two years, once from deer bounding into the road, and once from a deaf old cat walking into the street.

I haven't been cited for anything in decades, and have never been in an at-fault accident. I drive the speed limit and have a dashcam. With the deer, I was actually 10 MPH under the limit.

So should my rates go up for these incidents where I successfully avoided hitting something? Insurers are unscrupulous and would use any excuse.

No, thanks. I'll share nothing.