Subject: Question About Premium Increase After Not-at-Fault Accident
I recently had an accident in which I was determined to be not at fault. It happened in another state while I was driving my sister’s car, which has its own non-Progressive insurance policy. I just received my renewal offer, and the new premium is more than double what I was paying before.
Is this typical for premiums to increase so significantly, even when the accident wasn’t my fault and Progressive wasn’t involved in the situation at all?
It’s understandably frustrating to see a significant premium increase after a not-at-fault accident, especially when you weren’t driving your own vehicle. While it’s not uncommon for insurance companies to raise premiums following any type of accident, whether fault is involved or not, the increase you experienced seems excessive.
Insurance companies often consider several factors when determining rates, including the overall claims history of the policyholder, the type of accident, and local market conditions. Even if you’re found not at fault, the insurer might assess that the risk associated with insuring you has changed based on the accident.
It’s a good idea to:
Contact Progressive: Reach out to your agent or customer service to get a clear explanation of the increase. Ask specifically about how the not-at-fault accident influenced your renewal rate.
Shop Around: Consider getting quotes from other insurance companies. Rates can vary significantly, and it might be worthwhile to see if you can find a better deal.
Review Your Coverage: Ensure that you have the coverage that’s right for you without any unnecessary extras that could be adding to your premium.
Check for Discounts: Ask about any potential discounts you might qualify for, such as safe driver discounts or multi-policy discounts.
Remember that you have options, so it’s important to do your research and find the best coverage at a fair price.