Insurance rates screwed for ever for demanding they fix what broke?

[adin55]

I had a car accident nearly 9 years ago. At fault party also had same insurance company as I. They failed to repair all the damage to my car, and refused to make it good. A lawyer wrote a polite, but firm, letter requesting they send me a check to cover the remaining damage. They sent it immediately, but 'forgot' to send my next bill. I paid what I guessed, it was $2 short, so they cancelled me and refused to take me back. They also took months to refund my refused payment. When I took my business elsewhere, they wanted more than I was accustomed to paying for an entire year just for three months coverage. I'm sure it was because of the letter from the lawyer, although when asked neither company would confirm it. I've been told by same lawyer, that would be illegal in my state. I took a job that provides a company car with company insurance, and haven't had to buy insurance in over 8 years. I have been limited by my lack of a personal car, and am looking at making a purchase. Will this have fallen off my record, or is this forever?

[bernd]

forever? WTF? Why don't you get quotes and see?

[siwili]

forever? WTF? Why don't you get quotes and see?

The insurance company will only look back 3 years for accidents and tickets. Some companies will look back 5 years for a preferred rate.

If you were not a named insured on your employer's policy you'll most likely be paying a higher rate than usual because the insurance company will not see a history with you. To them you are a new driver.

Getting a quote may affect the rates the rest of your family pays but most likely it won't. What will happen is if anybody in your family has an accident the insurance company may rescind the policy because your better half "forgot" to mention there was another driver in the household. Insurance companies don't know whether you drive his car or not; they'll assume you do because if you don't you are probably the only person in your state that doesn't.

[panteno]

Honey, this was NINE YEARS AGO. I don't know of ANY state that looks at your claims history more than 7 years back, and MOST only look at three years back.

You're being penalized for being previously uninsured. Not for that accident. There's no way around it, the first year you have a policy in your name, just costs more. That's just how it is.

If he lied on the application by not disclosing a household member with a license - you - it can jeapordize his coverage. They won't charge him more, if your driving record is clean.

As a spouse, you DO have coverage under his policy. Your "protection" under your employer's policy in your name (unless you have DOC coverage, or the policy is literally in your name? In which case you DO have a policy in your name! so you're confused about this) is very limited, usually to ONLY when you're in the company car.