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Car insurance after a no-fault crash?
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<blockquote data-quote="GoingNorth" data-source="post: 680657" data-attributes="member: 1963"><p>nlj, my husband and i had this happen back in the 90s. When he got out of the Army, we went with Geico ins because they had phenomenal discounts for veterans and disabled vets.</p><p></p><p>Over a period of 3 years, we managed to get hit 3 times. All 3 times we were hit by drunken, uninsured drivers, while we were stopped. </p><p></p><p>Geico paid out under our uninsured driver coverage, but when the time came to renew our policy for the next 6 months, we received a letter from Geico telling us that they had done a "risk assessment" and could no longer insure us.</p><p></p><p>Even though we hadn't been at fault in ANY of the accidents, Geico dropped us.</p><p></p><p>Not only that, once you've been dropped by an ins co, at least in the US, it makes it much harder and much more expensive to get insurance through another carrier, no matter the reason you were dropped.</p><p></p><p>We wound up going with Progressive as well, and paying half again what we'd been paying Geico. We carried Progressive for several years, and then, shortly after husband's death, I switched to a different company and had no problem as the "drop" had dropped off my record.</p><p></p><p>Interestingly, when I moved to Milwaukee metro, I insured my car with Allstate and promptly got my car hit in a parking lot. I have no idea "who, what, or when.</p><p></p><p>I went to pick up my car and the driver's side rear quarter panel was crushed. So, a month after I signed up with Allstate, I had a claim. They not only didn't drop me, they didn't even raise my rates.</p><p></p><p>Check with your ombudsman, and shop various companies as well. I know that in the US, the laws vary state-by-state and I assume that's the same in the UK.</p></blockquote><p></p>
[QUOTE="GoingNorth, post: 680657, member: 1963"] nlj, my husband and i had this happen back in the 90s. When he got out of the Army, we went with Geico ins because they had phenomenal discounts for veterans and disabled vets. Over a period of 3 years, we managed to get hit 3 times. All 3 times we were hit by drunken, uninsured drivers, while we were stopped. Geico paid out under our uninsured driver coverage, but when the time came to renew our policy for the next 6 months, we received a letter from Geico telling us that they had done a "risk assessment" and could no longer insure us. Even though we hadn't been at fault in ANY of the accidents, Geico dropped us. Not only that, once you've been dropped by an ins co, at least in the US, it makes it much harder and much more expensive to get insurance through another carrier, no matter the reason you were dropped. We wound up going with Progressive as well, and paying half again what we'd been paying Geico. We carried Progressive for several years, and then, shortly after husband's death, I switched to a different company and had no problem as the "drop" had dropped off my record. Interestingly, when I moved to Milwaukee metro, I insured my car with Allstate and promptly got my car hit in a parking lot. I have no idea "who, what, or when. I went to pick up my car and the driver's side rear quarter panel was crushed. So, a month after I signed up with Allstate, I had a claim. They not only didn't drop me, they didn't even raise my rates. Check with your ombudsman, and shop various companies as well. I know that in the US, the laws vary state-by-state and I assume that's the same in the UK. [/QUOTE]
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Car insurance after a no-fault crash?
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