Today, I went to get insurance and I have a non-fault third party claim and yet my insurance has gone up. I wasn't even in the car when someone hit it. Why have I got penalised? They claim I'm now "statistically more likely to get in an accident." My car was parked. FML
Collection
Halloween
A failed costume, stolen candy and a very real scare: Halloween, the one night when fear is allowed.
Today, I received an email from my insurance company about a claim that happened over a month ago when I hit someone from behind. I was very apologetic and stated it was my fault, and now they're trying to claim replacement vehicle costs. I was going under 10mph and their car only had a scratch. FML
Today, after my car got stolen and flipped on its roof three months ago, making it an insurance write-off, and getting a new car a week ago, a drunk driver crashed into my parked car, writing it off. In both instances the drivers were thankfully OK, it's just my insurance premiums skyrocketing, no biggie. FML
Today, for the 2nd time in a month, I've been rear-ended at a stop light. One insurance company refuses to pay because of prior damage from the 1st accident, and the other won't pay because of new damage not caused by their client. I just want my car back. FML
Today, I went outside and walked to my car, only to see someone had hit and run my car while it was parked. My insurance company deemed my car a total loss. The person who did this never got caught. FML
Today, my mom's boss reversed into my parked car. She expects me to say that it's my fault so she doesn't have her insurance increase. FML
Today, I went to my insurance company to deal with some paperwork. One of their employees backed into my car before I made it into the building. FML
Today, my sister got her car insurance quote in the mail. You would think it would go way up after being charged with reckless driving. It went up $1 per month. My insurance went up $100 per month after I tapped someone's bumper a year ago. I wasn't even charged. FML
Today, I hit a car while trying to park. Assuming that no one saw, I moved my car and parked somewhere else. Hours later I get a call from the university police. While backing up to go to the police station I hit another car. FML
Today, my car was damaged in an accident. At the garage, I happened to find out that if some big insurance company is paying for the repairs, they only charge half the hourly rate they charge people who have to pay from their own meager salaries. FML
Today, I got into an accident and my bike broke. My insurance expired 5 days ago and the accident wasn't even my fault. The lady was on the phone and on the wrong side of the road. She's threatening to sue me even though her car is in better condition. There are no witnesses and no cameras either. FML
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Top comments
BigSissy 14
I don’t even drive and I know that’s messed up.
leximichelle 13
Unfortunately, that’s how insurance works. For small damage claims, it’s often better to just pay out of pocket for the damage, or just live with it; as far as insurance companies are concerned, the fact that it’s happened before makes it significantly more likely that it’ll happen again, regardless of whether it was your fault or not.
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Comments (9)
BigSissy 14
I don’t even drive and I know that’s messed up.
RichardPencil 32
You whipper-snappers park dangerously!
leximichelle 13
Unfortunately, that’s how insurance works. For small damage claims, it’s often better to just pay out of pocket for the damage, or just live with it; as far as insurance companies are concerned, the fact that it’s happened before makes it significantly more likely that it’ll happen again, regardless of whether it was your fault or not.
kfchicken 31
I'd like to see the science and math proving this significance, especially if his car was in a parking lot.
jriley4u 17
It’s actually pretty accurate. Small claims are better to pay out of pocket. Your car could be wrapped in bubble wrap and if your insurance has to pay even a dime on a claim (even if you aren’t at fault) will raise your rates.
litttle_miss101 11
I know if you live in the U.S if you are under the age of 25-26 the price of insurance goes up because they say you are a high risk driver which means your fault in an accident or not they jack up your insurance, it’s the dumbest thing ever
bloopaloop 27
You’re statistically bad at parking.
Huldan MeGroyn 13
Because most states give 0 *****. Now if you lived in a no-fault state, wouldn't have been a problem if you were determined to be not at-fault
XUDT72 24
Completely wrong. In no fault states your insurance covers you no matter who causes the accident making not at fault accidents raise your rates more than in other states since your company is always paying out for every claim.
AmbrosiaFan 19
Find a new insurance company.
Suzi_d16 27
Same happened me. Someone pulled out of a side street into the side of my car. Total write off. Following year, my insurance went up £100 despite me not being at fault.
bobsanction 18
Get new insurance. Getting hit by someone else is unlikely to show up on your driving history so you should be able to get a better rate from a different insurance carrier.
XUDT72 24
False. They filed a claim so it shows up on a claims report and will impact their rates with every carrier.