YEP.It's actually even simpler than that. Being involved in an accident is positively correlated with being in further accidents, therefore the cost to insure you goes up (in states that allow this). Could be your driving habits, could be the driving habits of the people in your area, maybe your local roads are simply more dangerous. All the insurance company cares about is that your risk has gone up regardless of the reason for it.
And OP probably doesn't want to give up their state. Fair enough.
The problem is insurance is uniquely regulated by the many states. Each state does it differently. I see discussions here and on Reddit go in circles because of this. Reddit is worse because it has a large international audience, and they bring in their unique insurance situations for their country.
When it comes to insurance, general forums on the internet truly are a terrible place to discuss scenairos.
Statistics: Posted by Tubes — Sat Feb 24, 2024 3:53 pm — Replies 18 — Views 1164
