Concerned about potentially being dropped by Allstate (CA)
I wanted to share my experience because I’m feeling a bit anxious. Recently, I had three claims in just two months. Two of them were not my fault: the first was a minor fender bender that is still under investigation, and the second unfortunately resulted in my car being totaled.
Allstate determined that I wasn’t at fault for the accident and compensated me for my car. I just bought a new vehicle, but I’m worried that replacing my totaled car might lead to Allstate either dropping my coverage or significantly increasing my rates. Or, will it not impact my situation until I renew my policy in six months, especially since one claim is still open?
It’s understandable to feel anxious about your insurance situation, especially after multiple claims in a short period. Generally, insurance companies like Allstate consider the details of your claims history when assessing your risk level, but being found not at fault can work in your favor.
Since one of your claims is still open, it may not impact your renewal until it is resolved. As for potential rate increases or being dropped, this often depends on the specific policies of your insurance company and state regulations. In California, insurers typically cannot drop you solely for having not-at-fault accidents, but they can raise rates based on overall claim history.
It might be a good idea to reach out to your Allstate agent or customer service to discuss your concerns. They can provide clarity on how your claims might affect your renewal and what to expect moving forward. Additionally, comparing rates from other insurers could help you find a better deal if needed. Ultimately, being proactive and informed will help you navigate this situation more confidently.