OUCH!!!!!! My insurance is going to quadruple the next 6 months onwards

[The Stigenator]

I was pay $710 every 6 months for 100/300K coverage with 250 deductibles for my 2000 ford focus. Current insurance provider Esurance.

In october 1, 2007, i got into an pedestrian vs. vehicle accident. Lady walked into the street without looking and I hit her (no time to stop) - i could not see due to sun in my eyes so when i saw her i braked. Insurance co gave her 30% blame, me 70%.

Anyway that case got settled in August 2008 for 15K paid by the insurance company.

Now I got a new quote from the insurance company for the next 6 months, its going up to $1350/6 months.

I want to buy a new car and teh Acura TSX that I was looking at will push the rate to 1800/6mo.

My Driving record:

1999 - Got rear ended at a traffic light - car fixed by other party.
2001 June - crashed motorcycle - suzuki took fault for faulty carb setup - insurance did not go up.
2002 - not at fault accident, was parked car got hit.
2005 April - speeding ticket (1st ever) - took traffic school.
2007 October - accident ped.vs.vehicle
2008 May - accident - got hit by a car while on the motorcycle.

Total miles driven : between 250-275000 miles.
Driving since 16, driving in the US since 18.


Question is: what insurance companies should go looking into. This is ridiculous. One accident. Is the insurance company raising rates because the market is lousy now and they can raise it. I cant see how one accident can quadruple my rates. A friend with a DUI pays lesser than I do.

I checked a wawanesa insurance and they claim 2 points for my at fault with injuries accident.. grrr.. i wonder if thats teh case I got 2 points on my record due to the bitch walking into teh street without looking.

 

[Kroze]

maybe it's because you like to run people over and the insurance company see it as a risky business dealing with you.

I mean it's cheaper to pay when hit other cars than to pay someone's medical bill & disability from you running them over.

 

[The Stigenator]

see this is the problem you guys judge me on it.

First off I did not run her over.. she didnt even get knocked down. She wasnt bleeding, she was standing around shouting at passing cars rather than sitting down. i doubt she was hit that hard since I had braked and i was going only 15 mph due to bad roads(approx due to the nature of taht area i still go 15 mph and i used to before i got into the accident too)

 

[GalvanizedYankee]

http://www.pashnit.com/forum/s...45&highlight=insurance

 

[The Stigenator]

i need a car insurance not bike.. my bike insurance all this time was 68/yr liabilty coverage (125/yr full coverage)
It might go up a bit but not as much as my car insurance has..

 

[angry hampster]

Damn I really need to get hit by a car. I could get rid of a shitload of student debt.

 

[zerocool84]

Sorry to say but with your record, you're an accident magnet. That's how insurance goes.

 

[The Stigenator]

Originally posted by: zerocool84
Sorry to say but with your record, you're an accident magnet. That's how insurance goes.

how is that true? In the last year I had one at fault and then one not at fault (mind you i got hit by an 87 year old and I tried avoiding him)

so how does that make me an accident magnet? Besides the speeding ticket in 2005 and the crash in 2001 on the motorcycle (suzuki claimed fault on it).. the accident last year is the only one i was at fault.

 

[zerocool84]

Originally posted by: TheGoodGuy

Originally posted by: zerocool84
Sorry to say but with your record, you're an accident magnet. That's how insurance goes.

how is that true? In the last year I had one at fault and then one not at fault (mind you i got hit by an 87 year old and I tried avoiding him)

so how does that make me an accident magnet? Besides the speeding ticket in 2005 and the crash in 2001 on the motorcycle (suzuki claimed fault on it).. the accident last year is the only one i was at fault.

The question is how many insurance companies DON'T raise rates when someone has been involved in lots of accidents and not at fault? I'm pretty sure most do. Especially after paying 15k.

 

[Xyclone]

Originally posted by: zerocool84

Originally posted by: TheGoodGuy

Originally posted by: zerocool84
Sorry to say but with your record, you're an accident magnet. That's how insurance goes.

how is that true? In the last year I had one at fault and then one not at fault (mind you i got hit by an 87 year old and I tried avoiding him)

so how does that make me an accident magnet? Besides the speeding ticket in 2005 and the crash in 2001 on the motorcycle (suzuki claimed fault on it).. the accident last year is the only one i was at fault.

The question is how many insurance companies DON'T raise rates when someone has been involved in lots of accidents and not at fault? I'm pretty sure most do. Especially after paying 15k.

How would accidents that aren't ones fault be a problem? How can they raise rates? Accidents not at fault are handled by the other party's insurance, so why would they care?

 

[BassBomb]

switch companies, stop getting into non fault accidents, stop getting into fault accidents

 

[Bignate603]

Originally posted by: Xyclone

Originally posted by: zerocool84

Originally posted by: TheGoodGuy

Originally posted by: zerocool84
Sorry to say but with your record, you're an accident magnet. That's how insurance goes.

how is that true? In the last year I had one at fault and then one not at fault (mind you i got hit by an 87 year old and I tried avoiding him)

so how does that make me an accident magnet? Besides the speeding ticket in 2005 and the crash in 2001 on the motorcycle (suzuki claimed fault on it).. the accident last year is the only one i was at fault.

The question is how many insurance companies DON'T raise rates when someone has been involved in lots of accidents and not at fault? I'm pretty sure most do. Especially after paying 15k.

How would accidents that aren't ones fault be a problem? How can they raise rates? Accidents not at fault are handled by the other party's insurance, so why would they care?

Whether or not they'll be legally at fault a good driver can drastically cut down on the chance of an accident. I agree though, even if you haven't been at fault you have a history of getting in accidents, far more than the average. The insurance company sees you as a high risk, which by your history you appear to be. Try shopping around, but you may be out of luck.

 

[Capt Caveman]

I remember the thread you posted in OT on how to get out of this, blaming the pedestrian. Sounds like you need to learn how to drive safer.

 

[iamwiz82]

Originally posted by: Bignate603

Originally posted by: Xyclone

Originally posted by: zerocool84

Originally posted by: TheGoodGuy

Originally posted by: zerocool84
Sorry to say but with your record, you're an accident magnet. That's how insurance goes.

how is that true? In the last year I had one at fault and then one not at fault (mind you i got hit by an 87 year old and I tried avoiding him)

so how does that make me an accident magnet? Besides the speeding ticket in 2005 and the crash in 2001 on the motorcycle (suzuki claimed fault on it).. the accident last year is the only one i was at fault.

The question is how many insurance companies DON'T raise rates when someone has been involved in lots of accidents and not at fault? I'm pretty sure most do. Especially after paying 15k.

How would accidents that aren't ones fault be a problem? How can they raise rates? Accidents not at fault are handled by the other party's insurance, so why would they care?

Whether or not they'll be legally at fault a good driver can drastically cut down on the chance of an accident. I agree though, even if you haven't been at fault you have a history of getting in accidents, far more than the average. The insurance company sees you as a high risk, which by your history you appear to be. Try shopping around, but you may be out of luck.

I agree. Not being able to avoid accidents does not make you a safe driver.

 

[SearchMaster]

My mom's insurance rates quadrupled after having three "accidents" in a year. The first two involved people hitting her parked car when she was nowhere near it, the third was her being rear-ended while stopped at a red light. Her company didn't pay a dime for any of the three claims.

Yeah, it sucks.

 

[tfinch2]

Originally posted by: SearchMaster
My mom's insurance rates quadrupled after having three "accidents" in a year. The first two involved people hitting her parked car when she was nowhere near it, the third was her being rear-ended while stopped at a red light. Her company didn't pay a dime for any of the three claims.

Yeah, it sucks.

This may be a naive question, but how did her insurance find out if she was not at fault?

 

[Bignate603]

Originally posted by: tfinch2

Originally posted by: SearchMaster
My mom's insurance rates quadrupled after having three "accidents" in a year. The first two involved people hitting her parked car when she was nowhere near it, the third was her being rear-ended while stopped at a red light. Her company didn't pay a dime for any of the three claims.

Yeah, it sucks.

This may be a naive question, but how did her insurance find out if she was not at fault?

Again, you don't have to be at fault for the insurance company to think you're a higher risk. From the insurance company's stand point it could have decided that she parked in areas where it was prone to get damaged. Whether she actually does or not isn't known to the company, it just sees the accidents. More accidents = higher risk. Insurance companies live and die by statistics, and people that get in accidents even if they aren't at fault are more likely to get in accidents where they are at fault, which the company would have to pay out on.

 

[Kroze]

Originally posted by: Capt Caveman
I remember the thread you posted in OT on how to get out of this, blaming the pedestrian. Sounds like you need to learn how to drive safer.

:werd: I remember him saying something in the effect of:

"It's just a flesh wound, now crawl out under my car and stop acting like you're hurt"

to the person he ran over.

 

[Raduque]

Oh man, this is classic. I remember your thread and the google maps pics. It was epic, and you got pwnd.

You're a bad driver. Your accident record you provided proves this. Your insurance knows your bad record and is charging you out the nose for it.

 

[The Stigenator]

fine if you think i am a bad driver.. go to hell you folks..

I know where my strengths are.. i dont need you folks to fucking judge my driving skillz.. cause you have not seen me drive. Yeah so I happened to get into a accidents, the not at fault ones are totally not at fault.. its not my fault that i was stopped at a red light and i get hit.. its not my fault that some 87 yr old senile geriatric was at the wheel when he hit me on my motorcycle.. i tried avoiding him but there is only so much room on the road.

The point is you guys need to grow up.. i am out of ATOT.. place has gone to hell anywho.

 

[zerocool84]

Originally posted by: TheGoodGuy
fine if you think i am a bad driver.. go to hell you folks..

I know where my strengths are.. i dont need you folks to fucking judge my driving skillz.. cause you have not seen me drive. Yeah so I happened to get into a accidents, the not at fault ones are totally not at fault.. its not my fault that i was stopped at a red light and i get hit.. its not my fault that some 87 yr old senile geriatric was at the wheel when he hit me on my motorcycle.. i tried avoiding him but there is only so much room on the road.

The point is you guys need to grow up.. i am out of ATOT.. place has gone to hell anywho.

Ehh good riddance I guess. Doesn't matter. You get in that many accidents, your insurance is going to go up. Sucks to be you.

 

[zoiks]

Sorry. But you're high risk regardless of whose fault it was. When you sign up for insurance, they don't ask whether the accident was your fault or not but rather whether you were involved in an accident.

 

[SearchMaster]

Originally posted by: tfinch2

Originally posted by: SearchMaster
My mom's insurance rates quadrupled after having three "accidents" in a year. The first two involved people hitting her parked car when she was nowhere near it, the third was her being rear-ended while stopped at a red light. Her company didn't pay a dime for any of the three claims.

Yeah, it sucks.

This may be a naive question, but how did her insurance find out if she was not at fault?

I worked for the FL DOT 20 years ago. Even then we sent a tape (yes, a magnetic tape) with all incidents and violations to an insurance company clearing house every month.

 

[thomsbrain]

You may only have one at-fault accident, but you have six claims or incidents in the past decade, which is not a good record.

You may just have really bad luck, but remember that defensive driving means you avoid other people's mistakes in addition to your own. You've got a pattern of claims above and beyond the norm.

I had my share of minor incidents when I was a kid, but the past 8 years and 160,000 miles of driving have been incident-free, and I drive some pretty dangerous roads on a daily basis. I pay $400/6 months for my 2003 Accord V6 for similar coverage as you.

I have been in situations where I was at a red light and was going to be rear-ended. I was paying attention and moved out of the way. Same thing on the highway. I've had pedestrians walk in front of me, but I wear sunglasses and keep my windshield clean, so I don't drive around without being able to see. I pay attention to other drivers and predict their actions as best I can, and base that on the types of cars and whether or not they have old-people hair or baseball hats on sideways. You give the risky people a wider berth or avoid them if you can. I'm sure I'm far from perfect, but since I started respecting driving and taking it seriously, I haven't gotten in any accidents. *Knock on wood*.

 

[RichUK]

I think it?d be mutually beneficial if you spent the money on a chauffeur instead of paying the increasing insurance costs.