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Old 08-07-2002, 04:21 PM
benz320 benz320 is offline
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Join Date: Jul 2002
Posts: 57
Insurance companies price insurance based on a driver's risk rating - any "fault" raises the driver's risk rating, so he/she pays more. However, any claim, EVEN when the driver is NOT at fault, raises the driver's risk rating - though not by that much. The insurance companies' argument is that on average, risky drivers are involved in accidents more than safe drivers, regardless of who is at fault in a particular accident (to some extent, it is true!!). So ANY claim leads to a rise in premiums. Same thing happens with home insurance - you file the most innocuous of claims, and the premiums go up - there, even the argument of risk rating doesn't hold here(are you a "higher risk" homeowner if a storm damages a window in your house?).

So either it is legal to increase premiums regardless of who is at fault, OR insurance companies have been scaming tons of customers for a while (and that is certainly possible!!). I have seen it happen in at least 3 instances.
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