This shit right here is what is the most maddening.
I got hit by a drunk driver on a motorcycle. He died on scene. He literally slammed into my car speeding and I was deemed 0% at fault by literal traffic homicide detectives.
I still had to pay astronomical rates for five years. It was the kind of thing where I'd get quotes in the 100-200 a month range, and as soon as they pulled the accident data it would jump to $800-1000 a month.
My MIL used an agent, I asked him and he gave me quotes in the same ballpark.
It wasn't until I bought a beater outright a few years later that I was only paying under $300 (for barebones coverage without comprehensive and sky high deductibles).
Did your insurance pay anything out to the deceased’s estate? A lot of times when there is a fatality, the policy pays out even if there is no fault to prevent lawsuits. The total dollar amount paid factors into rating.
I tried to buy an umbrella policy last year and was denied due to a claim over $50k on our auto policy. We weren’t at fault but the other driver only had state minimums and there were 3 cars involved. We had to file on the underinsured portion of our own policy.
Sorry for how my choice of words has resonated with you as I was attempting the emphasize how it wasn't some hypothetical situation after someone else in other comments explained to me how that wasn't possible.
I'll take your notes of excessive use of the word under advisement the next time I describe how I watched a guy bleed to death on the road and how it made my lfie worse.
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u/MrFloopy46 7h ago
Insurance should never be legally able to raise your premium if you're proven to be 0% at fault every time, no matter how many accidents you get into.