I have spoken to my insurance agent regarding this type of situation previously. Essentially her answer to me was that if I was to call in and report an accident that clearly was not my fault (like OP example), it would still be filed as a me making a claim to my insurance company so if I can avoid that it would probably be best for my future insurance coverage pricing.
I find this quite frustrating and tend to avoid insurance claims if at all possible as a result.
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