My gf got rear-ended a Camry with her is300, but it was not reported. The damage on the Camry was quoted at $600. Currently she is 19 and not listed under her parent's auto policy, but the car is insured under their names. Her friend told her that her insurance will triple. How much will her insurance really go up? I've never been in an accident so I wouldn't be able to tell her.

Would it be: (1) better to put her name on the car with her parents or just hers and stay with the insurance company? (2) Since her name is not on the policy, is her accident non-existant on her record and be able to go to another company? (3) Should she just go to another company all together? (She did get some quotes from Geico and Traveler's Insurance).

Thanks.s