- Jun 16, 2007
If you locked up the brakes then your brakes are fine, it's your tires that need replacement.The crash in question was the car skidding when stopping in the rain. It was also due to the dying brakes, which I had just brought the car to the shop to have checked 2 weeks earlier.
Again, do you have any evidence of this fraud?If they intentionally inflated the repair costs, that's insurance fraud last I checked.
The person who was stationary and got rear-ended is an asshole for not paying for the at-fault driver's deductible?Additionally, they waited so long to get the repairs estimated in that the appeal period ended so I could not fight the surcharge. This was my only at fault accident in 14 years of driving, a 15mph bump in a crash that failed to even dent the bumper on the bug. The damage did not go above the 500$ deductible so I had to pay for that myself. If you are doing that to obviously poor people you are in fact an asshole.
Your premium depends less on your car and more on your record. The company is more worried about the expensive Lexus you hit that they will have to pay for because you are at fault than they are about the cheap old car you are driving. Same goes for people you might injure.So YEAH I think a 2500$ dollar increase on my insurance was absolutely unreasonable, given if Ihad 0 insurance and paid out of pocket it would have been . So did all the other insurance companies thankfully, my quote from the first company was actually HIGHER then last year, the surcharge from the other companies is like 700$. This company for the record has forced me to fight 2 other surcharges in which case the other person was doing something illegal.
That is incorrect. Rates are regulated and approved by the state.The way the laws work in this state the insurance companies can basically charge whatever they want.
Again, you've shown the insurance company that you might cost them several thousand dollars by hitting a stationary Lexus. That's a risk for them. You can try getting a quote from one of the companies that offers accident forgiveness.Like I am not saying I don't deserve a surcharge at all, I cannot prove i checked my brakes and was lied to. But if you look at "one at fault accident in a decade and a half and it was at like 20mph in the rain" and make the charge so high it would have been cheaper to pay out of pocket, that is absolutely bullshit.