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Why did my rate go up over $1,000 per year after my daughter’s not at fault accident?

Our 17 year old was hit by an uninsured driver who was found to be at fault. We had to file the claim through our insurance company as her car was in need of repair. We had all the needed coverage: uninsured/underinsured motorist, collision, you name it. Our rate was $3200 a year. Now it will be upwards for $4300 a year for 3 years. How can it be that we get so punished for an accident that was not her fault?

Agent Answer

Neil Richardson

First and foremost, I think you should consider shopping around for a new company. Although “not at fault” accidents can have a negative impact on your rate, that certainly seems like an exorbitant increase. The thing that makes the increase so severe is your daughter’s age. If you or your spouse were involved in the accident I don’t think the increase would be as significant. You might be able to save on your premium by testing the waters and quoting with as many companies as possible to find the best option.

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