The car in motion is ALWAYS at fault when it hits a stationary vehicle.
If your car is parked and someone hits it, your rates should not go up. The other car's insurance company should take care of everything, even if you have the same insurance company. You are entitled to have your vehicle repaired following an accident that was caused by someone else.
The insurance company has no reason to raise your premium, the situation was completely out of your hands.
Several things can happen. Allowing you parked legally other than insurance: the person who hit your parked car is responsible to pay damage. If you were parked on private property the lack of insurance means nothing. If you were parked on a public road or public parking lot you could be on the hook for a ticket for uninsured vehicle, but the other guy should pay anyway. Don't admit to driving with out insurance!
no
The person pulling out of the driveway is at fault.
I'm from Michigan, so it is no one's fault HEHEHEHEHEHEHEHEH.
they are both screwed
The person who is backing out of the driveway is completely at fault. Even if the other party was illegally parked, the driver of the other vehicle has the responsibility to look behind them for clearance.
leave a note with your info or call the police
No. The only person who is liable is the person who hit your vehicle.
In most cases it would not go up. However, some insurance companies give a discount for having no claims and in that case any claim at all would make you loose the discount.