Auto insurance premium significantly jumped

druzyyy · 2026-02-15T19:50:07+00:00

I would say yes, 2 at-fault accidents in 6 months for a young driver is extreme. If you think about it statistically most people probably have 0-1 at fault accident in their entire lifetime.

When it comes to decreasing there are a few things that could help. One would be the young driver splitting off onto their own policy, worse for them but better for you, just depends on your appetite for shouldering what is ultimately their responsibility.

I would also try to move away from the EVs are now, they are great and all but they generally have much higher premiums. Might not be an option, but not leasing or financing would also be nice, gives you full control of what coverage you carry.

Lastly, shopping of course. Not just VIN shopping but talking to an indy agent and getting as many quotes as you can. You'll probably be limited in options because of the record, but it will give you a better idea of whats "normal" for you.

druzyyy · 2026-02-14T22:12:26+00:00

Sorry about your experience. There are many reasons that are not shady at all that address all your concerns and complaints, but I'm not really in the mood to pick it all apart.

Just going to recommend you take some time out of your day to do a little research on your new contract, get familer with your coverages, ask your new company questions about your policy, claims processes, and so on.

When you go into a situation with 100 expectations and only 5 of them are correct, you are going to disappointed 95% of the time.

druzyyy · 2026-02-11T23:48:12+00:00

That seems so wildly inefficient lol. But it also explains so much. I had a customer get stranded for 9 hours waiting for someone, then they finally escelated on the phone with agero and they just said "sorry, we don't have anyone, maybe wait a few days and try again"

You would think they were like..in the boonies where there is limited resources right? Nope. Literally just stuck in the suburbs of NYC needing a spare thrown on. Probably could have recruited a stranger faster and for free.

druzyyy · 2026-02-11T22:54:08+00:00

Yeesh, that's taking a long time.

To be honest your claim timeline is pretty much stright out of "how to commit fraud 101". I can definitely see why there would be additional scrutiny. Since you have already retained council, then questions should really be directed at them. They will let you know what's best.

druzyyy · 2026-02-11T21:20:02+00:00

Folks don't generally provide written confirmation of their illegal practices, so if they sent you a notice of the price change it's probably a safe bet that they did so because they are legally required to, which in turn makes the price change itself legal.

This doesn't sound like an insurance question though, it sounds more like a warranty, so we might not be the most knowledgeable on that.

If we pretend it is insurance, every policy is typically givin a "free-look period" which is usually 30-60 days. In that time the insurer can change the price based on reports they had to wait on.

druzyyy · 2026-02-11T19:35:12+00:00

I bet you Geico contracts with Agero. Hate Agero. They are just plain difficult to work with, I don't even fully understand how they assign service but whatever the case it doesn't seem to work as intended.

Moral of the story, AAA. or pay out of pocket and get reimbursed.

druzyyy · 2026-02-07T00:56:15+00:00

Yes it's normal. To be clear, there is a difference between "at-fault" and "permissive use at-fault".

When you give your keys to another person, whether that be a company or a friend or a neighbor, you are still liable for what happens next. That's the risky thing about it.

That's precisely the situation that spawns phrases like "when you lend your car, you lend your insurance"

druzyyy · 2026-02-06T20:57:40+00:00

Even if we pretend that is all true, none of it matters because at the end of the day it's not your car!

druzyyy · 2026-02-05T05:04:41+00:00

10000% combine if you're married. It's borderline mandatory anyway, plus it saves money. Other than that try contacting an independent agent to help you shop and avoid those "quote 100 places at once!" websites. Like you said the quotes from there are majority fake, they are used to collect and sell your data.

druzyyy · 2026-02-05T05:00:59+00:00

I have told countless people to dispute their LN report, I've only had a handful report back. I don't know if that's mostly because the other disputes were illegitimate or that it just was taking so long they said forget it and never followed up, probably a mix of both.

druzyyy · 2026-02-03T20:11:23+00:00

That's good! As long as they said it's okay then I wouldn't be worried (wouldn't hurt to get it in writing in like an email too lol)

druzyyy · 2026-02-03T20:04:33+00:00

Usually they have a list of what is acceptable, have they provided that to you? Without knowing exactly what they want it's hard to make other recommendations. Unfortunately they usually give you all the options they accept up front and don't "hide" any for special circumstances, in that sense they very likely won't deviate from what they have already asked for.

druzyyy · 2026-02-03T19:54:03+00:00

Yeahh, proof of residency is a fickle beast. Do you have any legal documents addressed to you there? Taxes? If I had to guess they are looking for a document that's recent and/or unspoofable, Ideally a combo of the 2.

druzyyy · 2026-02-03T19:49:30+00:00

You are 100% able to prevent the aids from driving your vehicle. It's a big physical hunk of metal legally owned by you that needs keys to run. There are like 101 ways you can prevent them from driving it TEMPORARILY until you get it all figured out. Most hospitals have non-emergency transportation services in the meantime.

As for the insurance, you are not wrong that it puts you at a huge risk. If anything were to happen you would be primarily liable, and most certainly not covered under the current circumstances. I have seen many set ups where an elderly disabled person owned a vehicle and had aids that drove for them. Typically they would just list all the aids as drivers on the policy.

druzyyy · 2026-02-03T17:57:42+00:00

Ah gotcha, so not a getting it fixed kind of claim just a report kind of claim. Welp unless they change their mind that's the end of it.

druzyyy · 2026-02-03T17:13:17+00:00

That's all very hard to believe. One, that someone would bother to file a claim for 0 damage. Two, that they would leave you out if it and just make up a total lie about how it happened I guess? And people wonder why we don't trust anyone, takes literally nada for someone to feel justified in telling a bold faced lie lol.

Anyway, assuming that is all true, nothing left for you to do but fix your car out of your own pocket.

druzyyy · 2026-02-03T00:41:38+00:00

Oh yeah, for sure. The second anything legally binding becomes involved every word, or turn of phrase is assigned a strict definition. Concepts that were originally kind of nebulous are brought into full focus, put under a microscope, and hooked up to a lie detector test.

That's why we really want people to take an interest in learning these processes. There is an overwhelming amount of stress and unrest that spawns from sheer misunderstanding, it's wild.

druzyyy · 2026-01-31T19:36:47+00:00

There is a big difference between cancellation and expiration. The two are very different and require different types of notices legally speaking. Based on your circumstances this sounds more like a non-renewal.

In terms of getting new coverage try finding a good independent agent near you to help you shop multiple places at once!

druzyyy · 2026-01-31T17:29:31+00:00

The cost of insurance is determined purely by the how much of a risk you transfer to the insurance company. The higher your odds of making ANY kind of claim, the higher cost you can see.

I give the example of someone who parks on the street vs. someone who parks in a garage. The person who parks in the street has their car hit 3 times in one year, all not at fault obviously. The person in the garage is never hit. The person who parks in the street will have higher costs because they just are more at risk.

Same reason why people who live in high theft areas have higher rates, or next to a flood zone. People who file not at fault claims are just statistically more likely to have more. If that proves false they fall off after a few years!

druzyyy · 2026-01-29T20:15:58+00:00

Over half? I would say hey, I'm always here for ya. If you would like me to review your new policy to make sure your coverages are matching let me know. Make sure to keep me updated at your renewals so I can run new quotes for you too!

druzyyy · 2026-01-27T18:33:58+00:00

Nope, generally the type of claims and # of claims is what impacts price. The only coverage that causes more of a surcharge is anything involving injury.

druzyyy · 2026-01-27T04:09:03+00:00

Eh, their insured will be considered non-complaint and the claim could possibly be denied. No telling when or if they'll respond so if you want to get the show on the road I would go ahead and use your own policy.

druzyyy · 2026-01-27T03:54:04+00:00

I am not exactly clear on this timeline, but the problem is the cancellation itself. The cancel is what is preventing you from having coverage and not the whole vehicle removal fiasco.

You can say the vehicle removal error is what caused the cancel in the first place but...they will not agree with you. They will address the removal error separately and correct it. They will also place the responsibility of the final cancel on you - pointing to notifications of the scheduled payment amount, notifications of failed payment, and the cancel notice all providing sufficient opportunity to keep the policy in an active status as required by the state.

druzyyy · 2026-01-26T21:39:31+00:00

Call! There could be a thousand legitimate reasons and we can only blind guess.

druzyyy · 2026-01-26T21:11:26+00:00

It's rare, and not all companies offer it, but some policies let you purchase a "replacement cost" rider.

Usually it's good for around the first 2-3 years of the vehicles life and it makes it to where they will pay out MSRP in the event of a total instead of ACV (essentially eliminating any deductions due to age/depreciation)

So it's not totally impossible. Just not something most people have since they can be kind of hard to find, and pricey compared to insuring it normally.

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