Call BS all you want, but I know for a fact I have insurance companies that A NAF will not make .01 difference. I'm not saying all companies do, of course, because some of my companies DO charge for that.
However, what you are describing sounds like a collision claim and not a not-at fault claim. I can sympathize with you here because I've had a customer go through this. If you hit a "fixed object" in the road, even if it just came off of someone elses trailer (and you can't catch them to get their insurance to pay), you'll be charged with an at fault accident...as crazy as that sounds. I had a customer hit a Chevy V8 engine at dusk that had just fallen off of a trailer, and he was hit with the claim. At dusk and over a hill right in the middle of the road, and no chance to evade. Not fair I agree.
I didn't mean to derail the thread. Back to Pete's story, being in the business, I can see this coming more and more likely. I've seen people post on here the premiums they are paying for a Model S and its ludicrous how little some people are paying. It won't last for sure. In my own example, someone backed into me in a parking lot (probably 5 mph impact) and punched in my rear quarter panel about the size of a baseball. Their insurance company was out $20k after all was said and done ($10k of diminished value). Once insurance companies start looking at the data and the costs to repair these vehicles, rates will go up and a Model S will make it on to more and more "restricted vehicles" lists on underwriting guidelines.