I didn't mean the insurance company charges you directly, I meant he'd have to pay a higher rate due to being an unsafe driver. Intentfully causing more damage over a slight collision would most definately make your rate go up, would it not?
If it was his fault then definitely. Basically in any accident if it is deemed your fault you insurance rate will go up. But even if huge amounts of damage were caused, if the accident is not deemed your fault your rates wouldn't go up.
I see what you are saying though. Problem is, it would be near impossible to determine that more damage was intentfully caused. There would be no solid proof showing damage was intentfully caused, only proof of the driving violation.
Although it would be
extremely difficult to prove, say it was proven more damage was intentfully caused like you were saying. The fault for the accident would be split into halves, meaning both drivers would see increased rates. But I'm pretty sure the person attempting to cause more damage would also go to jail for vehicular assault.