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Ok_Repair_92 t1_jcyjy7y wrote

Reply to comment by Prestigious-Tie2049 in Dash cams by [deleted]

All it takes for somebody like teenage thief to hit you and you are screwed. Only way then is to claim it against your own insurance. See then if your rates go up.

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Prestigious-Tie2049 t1_jcyszlx wrote

Sorry I’ve never caused an accident.

My rate goes down by $100 for every year don’t cause an accident.

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gregra193 t1_jcyvzb0 wrote

I’ve never caused an accident either. But I had somebody hit me in a totally unavoidable situation last year. $3000 claim against their policy, and my insurance went up about 15%.

Taking a left turn (two lanes going left), after completing the turn this guy to my left starts coming into my lane. I slow down and hold the horn seconds before impact…but the guy keeps coming. My only other option was to hit the curb which is next to a sidewalk and a few businesses. Still impacts my rates.

Had a dashcam which recorded the other driver crossing into my lane and hitting me. Other driver admitted to police the situation, and he was given a verbal warning for failure to maintain his lane position. But my rates still went up.

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zenheadache t1_jcz0wzp wrote

Why did your rate increase if you claimed against the other driver's policy?

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gregra193 t1_jcz37ao wrote

From Progressive:

Do insurance rates go up after no-fault accidents?

It may seem unfair, but accidents that aren't your fault may still increase your rate in certain states. However, they may not cost as much as at-fault accidents. As with speeding tickets and most other violations, not-at-fault accidents stay on your driving record for a certain number of years (the length varies by state).

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avgeekCT t1_jd1w281 wrote

> It may seem unfair

Why yes, Progressive, that would be because it fucking is

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zenheadache t1_jcz5guz wrote

Interesting. Ive been in 2 not-at-fault fender benders and 1 not-at-fault accident over 12 years and my rates have only ever gone down

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gregra193 t1_jcz2t0o wrote

You rate can still increase, and usually will, due to a not-at-fault accident.

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Ok_Repair_92 t1_jcz2xpi wrote

You are so full of shit bro.

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Prestigious-Tie2049 t1_jcz6j5w wrote

I can share my receipts with you if you want.

It’s just AAA

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Ok_Repair_92 t1_jcz9zlr wrote

Hmmm I am told 3 years now in a row that inflation/hurricanes/mandatory raise. All across the board. $100 every year. No accidents no tickets.

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sevenfiftynorth t1_jcz56fd wrote

I've been insured by the same company for 32 years. They should be paying me.

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