Our soon-to-be college student had a fender-bender -- no persons injured, no damage to the other vehicle, but an estimated $3000 in damage to our car (which he'll pay us back for over time). He is listed as a driver on our GEICO car insurance policy. If we submit the repair claim to GEICO, will GEICO raise our premium? If we remove from our policy as a regular driver, would that change the answer here?