I’ve faced a tough time trying to find car insurance after being denied by every provider. I recently bought a car from my brother, but my history is causing problems. In 2022, I had an accident where someone ran a red light and hit me while I was turning, and we ended up suing each other since it was a no-fault situation. Then, in May 2024, another incident occurred when a driver turned right in front of me, leaving me no room to avoid the collision, which was also classified as no-fault. I received settlements for both accidents.
Now, I’m shocked to discover that insurers are labeling both incidents as at-fault, and I have no idea why. This has made it incredibly difficult to find coverage.
I’m looking for advice. Why were these accidents originally categorized as no-fault, yet they are now showing up as at-fault during my insurance search? Why am I being penalized for accidents that were caused by other drivers’ mistakes?
I’m sorry to hear about your situation; that sounds incredibly frustrating. Here are a few things you might consider:
Check Your Driving Record: Contact your state’s Department of Motor Vehicles (DMV) to see the detailed records of your accidents. It’s possible that there was an error in how the accidents were reported and labeled.
Request a Claims History Report: Sometimes, the information that insurance companies use can vary. Request a copy of your insurance claims history from your previous insurers to understand how they recorded your accidents. You may also want to check your CLUE (Comprehensive Loss Underwriting Exchange) report, which insurance companies use to assess risk.
Consult an Insurance Agent: An independent insurance agent can provide insights into why you’re being denied coverage and may have access to non-standard insurance markets that cater to high-risk drivers.
Look into High-Risk Insurance Providers: If mainstream insurance companies are denying you, consider companies that specialize in high-risk drivers. They might charge higher premiums but can offer you coverage.
Consider Community Resources: Some organizations or community programs can provide assistance or advice for finding insurance, especially for those who’ve experienced challenges like yours.
File a Complaint: If you believe the accidents were incorrectly labeled, you may also consider filing a complaint with your state’s insurance regulatory agency.
It’s understandably frustrating to be penalized for accidents that were not your fault. Keep advocating for yourself and exploring all your options!