A Disturbing Insurance Dilemma: Claims of Fault from Over a Year Ago

Navigating the world of insurance can often feel like a labyrinth, and recent experiences have brought this reality home for me. I’ve found myself grappling with an unexpected and frustrating situation that raises important questions about accountability in insurance claims.

In April 2024, while driving my mother’s car home from work, I encountered a sudden and shocking incident. Someone abruptly pulled in front of me as I was traveling at the posted speed of 65 mph, resulting in a serious collision that totalled both vehicles involved. The police report clearly stated that the other driver was at fault, providing some sense of relief amidst the chaos of the accident.

Fast forward to May 2025, and my troubles with insurance have taken a surprising turn. My parked vehicle was struck by a drunk driver, leading to yet another total loss. After purchasing a new car, I was alarmed to discover that my insurance premium had nearly doubled. When I contacted my insurance provider, Progressive, to seek clarification on this steep increase, I learned that part of the spike was attributed to the fact that my replacement vehicle is a 2023 model. However, to my disbelief, they also indicated that my premiums had increased because they were claiming I was at fault for the accident that occurred in April 2024.

This assertion left me utterly perplexed. How could an accident from over a year ago suddenly resurface to impact my insurance costs? I’m planning to follow up with the company during my lunch break to address this bewildering situation and clarify the facts surrounding their claim of fault.

Stay tuned for updates as I work to resolve this matter. My hope is to shed some light on the processes of insurance claims that can often seem murky and perplexing. If you’ve ever faced a similar predicament, I’d love to hear your stories and insights.