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You guys don't understand how insurance works.

You filed a claim with your insurance company. It really has no bearing on who is at fault. And even with it not being your fault you are now considered a "higher" risk. You rates may or may not go up but you are no longer a "preferred" customer.



Here in Michigan they can raise your rates based on your credit history. (actually, they call it a discount, with the higher the credit rating getting the higher discount) So even if you are claim free and infraction free you will still get charged a higher rate if you have bad credit.


2001 Sportage, TJ 106's, Everet spacers and bumpstops, Bilstein shocks on the rear, cone filter, Crager wheels, 235-75-15 Goodyear tires. Custom front winch bumper by Dave Scott. Currently DOA, but it is a work in progress.
2011 Kia Forte EX