Viewing a single comment thread. View all comments

gregra193 t1_jcyvzb0 wrote

Reply to comment by Prestigious-Tie2049 in Dash cams by [deleted]

I’ve never caused an accident either. But I had somebody hit me in a totally unavoidable situation last year. $3000 claim against their policy, and my insurance went up about 15%.

Taking a left turn (two lanes going left), after completing the turn this guy to my left starts coming into my lane. I slow down and hold the horn seconds before impact…but the guy keeps coming. My only other option was to hit the curb which is next to a sidewalk and a few businesses. Still impacts my rates.

Had a dashcam which recorded the other driver crossing into my lane and hitting me. Other driver admitted to police the situation, and he was given a verbal warning for failure to maintain his lane position. But my rates still went up.

13

zenheadache t1_jcz0wzp wrote

Why did your rate increase if you claimed against the other driver's policy?

0

gregra193 t1_jcz37ao wrote

From Progressive:

Do insurance rates go up after no-fault accidents?

It may seem unfair, but accidents that aren't your fault may still increase your rate in certain states. However, they may not cost as much as at-fault accidents. As with speeding tickets and most other violations, not-at-fault accidents stay on your driving record for a certain number of years (the length varies by state).

12

avgeekCT t1_jd1w281 wrote

> It may seem unfair

Why yes, Progressive, that would be because it fucking is

4

zenheadache t1_jcz5guz wrote

Interesting. Ive been in 2 not-at-fault fender benders and 1 not-at-fault accident over 12 years and my rates have only ever gone down

3

gregra193 t1_jcz2t0o wrote

You rate can still increase, and usually will, due to a not-at-fault accident.

6