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01-06-2020 03:31 PM |
Quote:
Originally Posted by RV7A Flyer
(Post 1397529)
Not in California. If the accident was not your fault, the insurance company cannot raise your rates, by law.
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You are correct that they cannot "raise" your rates in Ca due to a non fault accident. However... Many companies offer good driver discounts based on no tickets and no claims. You WILL lose your good driver discount because of that claim. So in reality you WILL pay more because of the non fault in CA. (Again this is a generalization of how many companies rate in that state. There are a small percentage that have different programs too)
As to the likelihood of another animal strike, that is not why they are going to ding you, it is the increased percentage of filing another claim.
State laws regarding Insurance rates require that companies are consistent in application and utilize data collected from multiple sources and areas. So while YOU may be a very safe pilot and have a very low likelihood of being involved in another incident the aggregate percentages that they can prove show otherwise and they have to charge those same rates accordingly to everyone to be fair.
As to how long you will pay more? This is where the details matter Mitch. Shop your coverage EVERY year and with EVERY possible company that you can. As new business underwriters get to look at the specifics of total flight hours / time in type / ratings and endorsements / claims and accident history, etc. If you can find a company that is trying to grow their portfolio they will have relaxed guidelines and potential for waivers. As an agent I have provided loss runs for a customers other policy types to prove to an underwriter that THEY (Specifically) were less likely than the average to file another claim. In that case the Underwriter and I had a long relationship and trust and she gave my customer the better rate because of the documentation and our history. You want a broker that will go to bat for you. Some are great, some... not so much. SO SHOP!
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