Quote:
Originally Posted by JE3146
Basically the deal was that when I signed up for the new insurance provider (after we got married), they searched records and saw that I had an incident on my report or some other mumbo jumbo within the past 3 years. The situation was that I got rear ended while at a complete standstill at a stoplight. My rates are most definitely increased because of it. It even says they are. Honestly it's not even worth fighting because the 6 months are paid for, and it won't be within 3 years at the next payment date, so it'll go back to normal. For the record this is with Progressive insurance since they were the cheapest for our situation, but all providers were going to increase it because of this 'accident'.
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OK,
This is not uncommon.
What happens is the new carrier sees a record of an accident. Based on that, they assume it is one they can surcharge.
If you contact your prior carrier that you had at the time, they are obligated to provide you with a letter stating outcome of that accident. If you didn't go through your own carrier and you went through that of the party that rear ended you, same thing. They have to provide you a letter indicating you were not at fault.
When you get that letter, your carrier will be obligated to reimburse you the surcharge amount.
While I work for an insurance company and am often explaining our actions that most don't understand, if I were you, I would invest the minimal time involved in getting this letter and get your money back. Better in your pocket than in theirs.