<human>: Got my insurance renewal today so it's not necessarily a TIFU, more like "Today I found Out I am Fucked (TIFOIAF?)"
A little back story: Last year I got into an at-fault accident where I pulled out of work and a car slammed into me (the guy was speeding, should have seen me but couldn't be proven so ultimately it was deemed that it was my fault). My car needed repairs so it was in the shop for a week or so. While driving the rental, I ended up damaging the one side of the car in a parking lot and that claim was also put through my insurance. I didn't realize at the time that this would count as a second at-fault claims (my mistake) and now my insurance went from $3000.00 to $5600.00 annually because of this (the insurance company I'm with gives you one forgiveness claim every five years so the increase technically is only for one at-fault). I went back and checked the receipt from the rental company and the damages to the rental were only ~$1100 worth. In hindsight, I should have paid that damage out-of-pocket and never told the insurance company but I didn't know at the time that my insurance would go up 75%. I called my insurance company and they pretty much said it's too bad, so sad but nothing can be done since it's an at-fault automatically increases your rates by 75%. So now I'm screwed with higher premiums for the next 6 years. These were my first claims ever, I'm 34, common-law, I've never had a parking ticket, speeding ticket or any other kind of road infractions. This was my first accident ever, and my first "fender bender" ever and now I'll end up paying over ~10k more in insurance for the next 6 years.

Give me the gist of the text in a nutshell
<bot>: Claimed two minor at-faults with my auto insurance in the same year and my rates went from $3000.00 to $5600.00 annually.