By financially_wreckd - 21/12/2014 00:53
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You can fight it all you want, but at the end of the day, your insurance will still be raised. Whether it's your fault or not is irrelevant; If the insurance compamy has to pay for damage repairs, they're going to raise your premium. It would be nice if they only raised it when it's your fault, but if they did that, they wouldn't make as much money. by all means, fight.
I've been in a few accidents, one of them being my fault, and the only time my insurance went up was because it was my fault and they had to pay for the damage to the person's car I hit, as well as pay for the damage to my car. That's why your insurance goes up. If it's not your fault, the person's insurance who hit you will pay for the damage on your car and their premium will go up.
I'm pretty sure it works differently depending on where you live & which insurance company you're with. In some places the insurance goes up even it its not your fault and in other places it stays the same. No one is wrong here, it's probably just different for different locations and different companies.
I live in Australia, and I've never heard of anyone's premium going up when they weren't at fault, even when I insured a new car with a different company, it didn't effect the premium. if my premium went up for a crash that wasn't my fault, I'd tell that company to shove it up their ass and switch company
Over here in The Netherlands, your premium is only raised when it's your fault or when there is no opposite party (for example, someone breaks your window, but you don't know who). However, if too many accidents happen in too short a period, they can decide you are accident prone and still raise your premium. It happened to me too. My first one was a break in, broken window had to be replaced. Second one was my wife being rear-ended. Third one was someone else forgetting to give way. Neither were my fault, but they still flagged me as a higher risk factor than normal, raising premium quite a bit.
This last accident wasn't your fault so you shouldn't have your rates increased because of it. Fight it. I don't know about your other 2 so can't comment on those.
How the hell can you have 3 accidents in one year? But yeah cause the guy was drunk it's not your fault they shouldn't raise your insurance.