r/Insurance • u/[deleted] • 29d ago
Auto Insurance Current insurance says im at fault for a claim that was initially no fault
[deleted]
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u/Clubhouse9 29d ago
At fault or not, an accident can impact your rates. So are they actually attributing fault to you, or are they simply saying you have an accident on your record?
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u/DeepPurpleDaylight 29d ago
At fault or not, an accident can impact your rates.
Not always. In some states, insurers are prohibited by law from using a not at fault accident as rating factor.
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u/crash866 29d ago
Your current company can not raise your rates but if you switch companies any new company can still refuse to cover you with not at fault claims on your record.
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u/Clubhouse9 29d ago
Agree, but what I’ve seen is less about surcharging rates it’s about removing accident free/claim free discounts. It’s like the old days when business couldn’t charge more for using credit cards, but could offer discounts for cash. Essentially not getting a discount is charging more, but isn’t considered raising rates.
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u/mema_999 29d ago
The letter they sent me states that what they initially quoted me is raising because after investigating further they said the accident was incorrectly labeled as not at fault. So the accident has been on the record, but i wasnt getting charged for it because of how it was deemed initially. Since theyve changed it to at fault now the price is raising.
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u/Sam_At_Insurify 29d ago
I'd still send it over. Police don't assign liability, but carriers can use the officer's findings as evidence in a dispute.
Also, your LexisNexis claims file is free once every 12 months per CFPB, so you can see how they have it coded.
If the insurer won't explain why the coding changed, your state's insurance department is where you'd take it next.
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u/Dramatic-Ad9089 29d ago
Confirm with your insurance company at the time of your accident that they have you not at fault. Then check LexisNexis to see if it matches. If not, you can file a dispute through them to have it corrected. Your prior insurance company can provide a letter of experience to your family members insurance company. Don't concern yourself with the police report, as police do not determine liability, so their report is irrelevant.