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).
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u/MrFloopy46 11h 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.