Title: Car Insurance Premiums Skyrocketing Due to a Misinformation Glitch
I’ve noticed a significant increase in my car insurance rates lately, likely due to area adjustments, which is frustrating. In an effort to lower my costs, I started digging into my records. To my surprise, I found that my insurer has three speeding tickets on file, even though I’ve only received two tickets over the past two years. The third ticket was actually for a NON-moving violation—while I may admit to speeding, it doesn’t classify as an official speeding ticket. Interestingly, the DMV only shows the first two tickets.
The insurance company suggested I obtain my LexisNexis report and dispute the discrepancy, which is rather aggravating.
On a positive note, I haven’t had any new tickets since those two, and I’m quite proud of that! 🙂
I’m wondering if there’s any way to reclaim some of the extra charges I’ve been paying due to this erroneous third ticket. Over the past 1.5 years, it must have added up.
Has anyone else experienced something similar? I’d love to hear your stories!
It sounds incredibly frustrating to deal with inaccurate information affecting your car insurance rates, especially when you’ve been maintaining a clean driving record since. It’s great that you’ve been proactive in investigating your rates and looking for ways to bring them down!
As for disputing the charge and potentially getting a refund, here are some steps you might consider:
Dispute the Record: Start by following their recommendation to pull your LexisNexus report and dispute the incorrect information. Provide any documentation or evidence that supports your case.
Contact Your Insurance Company: Reach out to your insurance provider to explain the situation. If the speeding ticket that shouldn’t be there has impacted your rates, let them know you’re disputing it and ask for a reassessment of your policy based on the correct record.
Request a Refund: Once the ticket is corrected or removed from your record, ask your insurance company if they can backtrack and refund any overcharges due to that erroneous ticket. Be clear about how long this issue has been affecting your premiums.
Document Everything: Keep a detailed record of all communications with both the DMV, LexisNexus, and your insurance company. This might help support your case for a refund.
Follow Up: After you’ve submitted your dispute, ensure you follow up to make sure it’s being processed and check in with your insurance company about your case regularly.
As for others in a similar situation, it’s not uncommon for erroneous records to affect insurance rates. Many people have had to go through similar processes to correct their records and get refunds. It’s always a good reminder to regularly check our driving records and insurance details for any inaccuracies.
Good luck! Hopefully, you’ll be able to resolve this issue and see your rates reflect your clean driving history!