Good Sam raised premiums for non chargeable accident

USAA tried to raise my rates after I was hit by someone else. I called to inquire as to why I was being penalized. They apologized for the "error" and my rates returned to normal.

I think they try to see what they can get away with.

rockhillmanor wrote:

wagonmaster2 wrote:
Great information to have. I always thought it was up to your insurance company to go after the at-fault driver's insurance, or the driver if uninsured. This was how mine handled it many years ago when I was rear-ended by an uninsured driver and I even got my deductible back.

That is how is is 'supposed' to work but many do not go back after the other insurance company. They just raise your rates.

Unless the not at fault insured calls the agent and starts the ball rolling.

It's far easier for these big insurance companies to do nothing else but take your deductabli money, fix your car, raise your rates.

Sound like you have an up and up insurance company!

Sadly It's a little know fact that you CAN get your deductible back if your insurance company follows thru or you make them follow thru! :C

If you are not at fault, you shouldn't be paying a deductible at all.

wagonmaster2 wrote:
Great information to have. I always thought it was up to your insurance company to go after the at-fault driver's insurance, or the driver if uninsured. This was how mine handled it many years ago when I was rear-ended by an uninsured driver and I even got my deductible back.

That is how is is 'supposed' to work but many do not go back after the other insurance company. They just raise your rates.

Unless the not at fault insured calls the agent and starts the ball rolling.

It's far easier for these big insurance companies to do nothing else but take your deductabli money, fix your car, raise your rates.

Sound like you have an up and up insurance company!

Sadly It's a little know fact that you CAN get your deductible back if your insurance company follows thru or you make them follow thru! :C

midnightsadie wrote:
wagonmaster is right on the money. been in this spot and my insurance company handled the paper work , mine did not go up.

Been there done that as well. But I didn't have National General either.

Matter of fact, had a windshield replaced in my car through insurance last year and hit a deer with my wifes car last year as well. Although it was considered comprehensive, our rates didn't go up this year. Actually we are paying less this year.

wagonmaster is right on the money. been in this spot and my insurance company handled the paper work , mine did not go up.

Great information to have. I always thought it was up to your insurance company to go after the at-fault driver's insurance, or the driver if uninsured. This was how mine handled it many years ago when I was rear-ended by an uninsured driver and I even got my deductible back.

It still shouldn't have cost National General anything as they would pay off the insured, then turn around and collect from the other party insurance.

Yup. X2

What many people don't know is you call your agent and get a copy of the corporate insurance settlement papers. You file that the accident was not your fault. (IF you can prove it with police reports.) All they receive is the fact that you had an accident and automatically up your rates. Because they pay for the repairs. You have to file papers to get the other company to pay your company for the repairs to avoid an increase. All lot of work that no one usually does.

Each insurance company has their own list of what you have to do. But it is available to all insured to get it revealed that you were not at fault and bring it to their attention for review. Some will honor it and not raise your rates others may not.

State Farm did for me. And the other insurance company paid my company for the repairs. THAT is how you don't get your rates increased.

In most states (no-fault states like Michigan being the exception), the thing to do is to contact the at-fault driver's insurance company for payment and NOT your own. National General can't raise your rates for something they don't know about. I'm not defending them, just saying it's better to not tell them what they do not need to know.

Which might be the reason why my rate didn't go up..... ;)