Someone hit my car. Now my premium is going up, but I didn't do anything wrong. Can I challenge this?

Question

Why should I have to pay for something a simpleton lacking basic motor skills did?

The rocket scientist attempted to GET PAST ME as I paused at a yield sign and looked for incoming traffic. It was completey his fault.

His insurance company paid everything and he was ticketed.

Answer 1

Was he ticketed ? If so it proves fault. If not I would certainly challenge my insurance co !! Or better yet change providers !!

Answer 2

Any number of things could have caused you rates to go up...Did you get a any tickets??? It may take years for tickets to show up...Does the neighborhood you live in have a lot of accidents near by??? When someone an accident around the corner...this means to an insurance company that could have been you...Did your neighborhood have alot more break-ins & vandalism??? That is also a factor...I alos depends on the type of car you drive & who will be driving it...You can challenge this but normally insurance rates ALWAYS go up...mainly cause the cost of repairs are rising as well...Try another company...~V

Answer 3

Ask you agent WHY your premium went up. Was it just a rate increase? If not, ask him or her if it was an accident on your record. Your company may have pulled your motor vehicle report. The accident will show as you were involved in an accident, it does NOT show who was at fault. Many companies automatically surcharge for an accident showing on your record until you prove to them that it was not your fault. All you have to do is provide a copy of the police report & proof that you were paid by the at fault party. The company should then remove the accident surcharge from your policy. The accident will still show on the policy as Not at fault but there should not be an accident surcharge point on the policy.

Answer 4

Insurance companies are all about making money. They seem to forget that they're getting paid to fork out the cash once in a while. It may not have been your fault, but it's just an excuse to raise your rates. I have always had an excellent driving record but I had to pay a huuge amount for insurance just because I was a male under 25! I have always wondered how that could be legal! My advice is to give up on automobiles and go back to horse drawn carriages.

Answer 5

Any activity listed in your driving history will put you in a higher risk that something else would happen - which, in turn, increases your rate.

For example, if you had a car stolen (and you didn't do anything wrong), it may not change your rate. You get a new vehicle and again, it's stolen. Hm, better park your car elsewhere. It's affecting your insurance now.

Answer 6

Insurance companies have us over the barrel. Just because you subjected your car to a harm they think next time it will be your fault. Rates go up every chance they can. I was hit by a shopping cart "Trolley in UK" My agent said we'll have to raise your rates. I said I was canceling my homeowners and both of my cars. He quickly reversed his decision. Over 4,300 a year two cars and home owner insurance. Leverage is a good thing. Next renewal I will ask for deductible to be reduced to $0 dollars because I have had no insurance claims in 4 years.

Answer 7

In most cases, everyone bears a portion of responsibility even when standing still. Like the last caller, did your insurance company have to pay for repairs? And yes, you can complain but dont expect much.

Answer 8

Call your insurance company and make SURE they have the right information. (Also...you might want to get an accident report from the sheriff's office as well, to make sure it reflects accurately what happened. Sometimes the officer working the accident doesn't get everything correct, and mixes up who did what to whom, etc.)
Good luck!

Answer 9

Did your insurance company have to pay anything to fix your car?

Answer 10

if you filed a claim with your insurance company for any part of the repairs, then your rates are going to go up.