Are insurance companies allowed to hold a not at fault accident against you?
Last year I was in an accident where I was stopped at an intersection and someone was hit broadside as he turned by a woman who ran the red light and his car flew into the front of me. I called the insurance company and they went through with everything and they said it was fine they had the police report I was not at fault, didn’t have to pay a deductible or anything and everything was fixed.
I’m looking at having to get my own policy sometime soon here and I was talking to this guy at a company and he was trying to tell me that if I’ve been involved in any accident no matter what I have to disclose that and it will certainly lead to me receiving a quote of higher rates.
Is he full of it or can they actually penalize me for having been in an accident which was not my fault, the police report confirms that, and it was the other driver’s insurance who paid for everything?
Thanks
A no fault accident can affect your rates but its not as much as a fault accident. It is shown on your record and if you get a new policy and that is all it really shouldnt affect your rate if any. I had my rate increase because I was hit by a non insured driver who ran a red light but because the company had to front the money to get my vehicle fixed; My rates went up a bit…. and it wasnt my fault. So they can charge a slightly higher rate for your driving record. It sux, I agree with you but for some reason its the way it works.
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