Haha, glad I'm not the only one with a few speeding tickets under my belt... 😅 But seriously, does anyone know if multiple claims on your PIP can eventually raise your rates, even if you're not at fault? Always wondered about that.
I've wondered about that too, actually. I mean, insurance companies always seem to find reasons to bump up rates, right? A friend of mine had two PIP claims within a year—both totally not his fault—and he swears his premium went up slightly afterward. Could've been coincidence, but still makes me wonder if they factor in frequency of claims regardless of fault. Has anyone else noticed something similar with their insurance?
Yeah, that's insurance for ya... had a minor fender bender last year (not my fault either), and next renewal, boom, slightly higher premium. Seems like they just track how often you claim, fault or not. Pretty annoying tbh.
Had a similar thing happen a couple years back—someone rear-ended me at a stoplight, totally their fault, police report and everything. Thought I was golden, but nope... renewal rolls around and my premium nudged up a bit. But honestly, I kinda get it. Even if it's not your fault, insurers probably see you as a magnet for trouble or something, lol. Still annoying, but I guess they're just playing the odds.
"Even if it's not your fault, insurers probably see you as a magnet for trouble or something, lol."
Had something similar happen last year with my Audi. Guy clipped me in a parking lot—totally his fault, police report backed me up, etc. Here's what happened next: first, filed the claim through my insurer (faster process), then they went after his insurance to recoup costs. Thought I was clear, but nope... renewal came around and premium still crept up slightly. Seems unfair, but insurers just crunch numbers—any incident flags you as higher risk, fault or not. Annoying reality of the system.
