Author Topic: Not at fault auto accident impacting quotes  (Read 1034 times)

Paul der Krake

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Not at fault auto accident impacting quotes
« on: October 24, 2017, 05:08:49 PM »
I was in an auto accident about 18 months ago. It was ruled the other party's fault, and my driving record is squeaky clean. My insurer, GEICO, did not raise my rates other than mild adjustments to account for changes in address and coverage choices.

However, every time I disclose this accident (as not at fault!) on any insurer's online quote, I get quoted much, much higher premiums, even from companies that used to be only slightly more expensive. I'm currently paying $307 per 6 months with GEICO for 100/300, and I've been quoted anywhere from $600 to $900 with everyone else.

Am I stuck not being able to shop around until this falls off the look-back period that quote engines ask for, usually 3 years?

JLee

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Re: Not at fault auto accident impacting quotes
« Reply #1 on: October 25, 2017, 01:31:22 AM »
It's possible that you simply have a good rate now.  When I first bought car insurance, Progressive was dramatically cheaper (IIRC approx half) than others, with no other factors at play.

boarder42

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Re: Not at fault auto accident impacting quotes
« Reply #2 on: October 25, 2017, 04:12:56 AM »
Even non at fault accidents increase your risk profile when shopping for insurance. 

This is similar to the hail damage claim I had on my home 6 years ago. Obviously not my fault and not really avoidable. But when we were shopping for new rates while looking for a new house many places took this claim into account.

NeonPegasus

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Re: Not at fault auto accident impacting quotes
« Reply #3 on: October 25, 2017, 08:26:36 AM »
I was in an auto accident about 18 months ago. It was ruled the other party's fault, and my driving record is squeaky clean. My insurer, GEICO, did not raise my rates other than mild adjustments to account for changes in address and coverage choices.

However, every time I disclose this accident (as not at fault!) on any insurer's online quote, I get quoted much, much higher premiums, even from companies that used to be only slightly more expensive. I'm currently paying $307 per 6 months with GEICO for 100/300, and I've been quoted anywhere from $600 to $900 with everyone else.

Am I stuck not being able to shop around until this falls off the look-back period that quote engines ask for, usually 3 years?

Did you file a claim with your insurance company? Even if it's not your fault, if you filed a claim with your insurance company rather than the other driver's that could be the issue. That happened to me when I was involved in a hit and run (not my fault).

If that's not the case, then contact an actual person at a couple of companies and see what they say.

Paul der Krake

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Re: Not at fault auto accident impacting quotes
« Reply #4 on: October 25, 2017, 08:29:22 AM »
I didn't file a claim with my insurance, although I did let them know that it happened. I filed a claim against the other driver's insurance, which was resolved smoothly.