...to change insurance companies or move to a state with better consumer protection.
I've been driving for 30 years now. In that time I've filed many claims with my insurance carrier. Some were my fault; most were not.
Not once...not ever...has my carrier raised my rates for filing a claim that was not fault.
In the combined experience of my family, friends, business associates, etc., has an insurance carrier raised rates for filing a claim when the claimant was not at fault.
Like I said, you need to change insurance companies or you need to move to a state with better consumer protection.
Lest you think that I am pro-insurance. I've spent a significant chunk of my legal career suing insurance companies on behalf of consumers.
BTW...somebody should close this thread, it is getting way off-topic...
1989 300TE "Alice"
1990 300CE "Sam Spade"
1991 300CE "Beowulf" RIP (06.1991 - 10.10.2007)
1998 E320 "Orson"
2002 C320 Wagon "Molly Fox"
Res non semper sunt quae esse videntur
Not in this weather!