What to do if I recently switched to a new auto insurer and it alleges that I was at-fault for an accident last year?

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What to do if I recently switched to a new auto insurer and it alleges that I was at-fault for an accident last year?

The only problem is neither my wife or myself were in any accidents.I’ve had the same insurance for the past two years (hillstar) and they provided me with a history loss letter and I even gave the new insurance my dmv print out of my driving record for the past 3 years. Neither of these documents convinces it that I haven’t had an accident for the year in question, so my rate has gone up dramatically. I am being penalized for an accident that I never had with a vehicle I never owned and with an insurer I never had. How can I clear my record?

Asked on November 14, 2013 under Insurance Law, California

Answers:

M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney

Answered 7 years ago | Contributor

You need to ask the insurer for the documentation that forms the basis for their allegation that you were in an accident and the rate.  I would surely write to your state Insurance Department as well and have them open a file about the complaint.  Any insurance company that receives an inquiry from the State government will respond accordingly.  Good luck.


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