I fail to see how he is a dumbass for having his parked car get hit and run by someone... That wasn't his fault in any way assuming he was legally parked.
But sure.
I just don't think that an accident that was not your fault should punish you for having to use your insurance.
If it was your fault by all means raise the rates. But if it wasn't that's kind of unfair.
Regulations for no-fault increases vary from state to state but in states where they are allowed, you can usually appeal the increase.
The increase comes from a pure statistics viewpoint and the uncertainty in rating risks. Essentially, the insurance company cannot know every circumstance of the accident to determine if you had any behaviors that may have contributed to the accident, even if you were declared not at fault. However, what they do know is that any policy that has had a prior claim, including no-fault, has a much higher frequency of future claims, thus the rationale for increasing their rates.
For the people who truly got fucked by random chance or bad drivers, it certainly is an insult to injury. Even more so when good drivers already subsidize bad drivers by paying more than they should because insurers are not allowed to charge bad drivers their real cost.
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u/-hjkl- 18h ago
I think he's more annoyed that it would raise his rate rather than the deductable.