Each company uses different data to determine your rates. As sucky as it is, it's not some guy who has an issue with the fact that you had to fight with the insurance company to get them to pay for your repairs. It's a cold, calculated system that is raising your rates. Property casualty actuaries don't have vendettas. Maybe you could talk to an actuary at your new company and they could explain the factors going into your pricing. If you call the company and ask for the personal lines pricing department (and whoever handles your state's auto lines) they might be able to explain it better to you.
I'm just trying to figure out how only one at-fault accident in my entire driving history results in a major insurance carrier choosing to decline me for coverage, especially since they're citing this mysterious reporting agency as their reason. (I mean, if someone had gotten hurt or it was due to negligence or DUI or something, I could totally understand. This just seems strange, and the fact that I have to get a report from an outside agency to find out why only exasperates it.)
Dear Travelocity: Stop giving me itineraries that involve 31-minute layovers in O'Hare.
You'll be on a plane when your connection takes off! It won't be the right plane, but hey!
I'm just trying to figure out how only one at-fault accident in my entire driving history results in a major insurance carrier choosing to decline me for coverage, especially since they're citing this mysterious reporting agency as their reason.
Hate to say it, but that sounds like a credit agency maybe. Not that anything in your credit report should matter a damn to them, but... If so, it's a good opportunity to get a free copy of your report and find out what might be on there sabotaging you, and if it's something you can get rid of.
Oh, that's adorable, Susan.
(Dude, I might wear that dress if they made it in real sizes.)
Hate to say it, but that sounds like a credit agency maybe. Not that anything in your credit report should matter a damn to them, but... If so, it's a good opportunity to get a free copy of your report and find out what might be on there sabotaging you, and if it's something you can get rid of.
It said they're a consumer reporting agency, whatever that means. I got my free annual credit report from Equifax (or whatever it's called) before I started applying at the insurance co's and it came back clean. I'm trying to space out checking with the other two credit agencies over the rest of the year. (Or does that make no sense? I don't know if there would be overlap between the three or not. If not, I might as well just get all three reports now.)
If only there weren't clowns.
EXACTLY. That is what I told the person who sent it to me. Clowns are scary.
