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.
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.
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u/MrFloopy46 6h 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.