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Insurance Rates - Beware

Av8safe

Well Known Member
For those following the sage of Buck Meets RV, the good news is I have since found a new ride and hope to be completing the purchase in February.

However, when I obtained the Quote from my Gallagher broker for the new policy (thru AIG) the rate nearly doubled! Now I admit, I have little TW and RV time, but I am a professional ATP pilot with nearly 18,000 hours and no incidents or accidents prior to the deer strike. BTW, that was NOT classified by NTSB or FAA as an accident. But because I had a claim, my premium for full coverage went from ~$2,900/yr for a "show quality" RV7 to ~$5,200/yr for a plane that is costing me significantly less to acquire. That's insane...

I am told that with a claim on my record within the past year it will be difficult to leave AIG and do any better. But, I did contact EAA and spoke with their Loss Prevention specialist and have followed their advice to see if another broker/underwriter can do any better.

So, what's the moral of the story:
Beware and be forewarned....this insurance market is crazy and even an act of nature will co$t you DEERLY...

Fly safe,
Mitch
 
Another option

I got tire of the always going up insurance premium and self insured. That way, if I break my stuff, I?ve got to fix it and no worry about rising rates. If more people followed suite, then the insurance industry would respond accordingly as it kinda is a supply/demand market.
 
I got tire of the always going up insurance premium and self insured. That way, if I break my stuff, I?ve got to fix it and no worry about rising rates. If more people followed suite, then the insurance industry would respond accordingly as it kinda is a supply/demand market.

The problem is when you have enough money and assets to self insure is when any accident can wipe out your nest egg and future. I insure BECAUSE I have more than I want to lose if I have an accident. My deductible in my vehicles and my homes is very high to lower my costs but I still insure.

Now are you talking about self insuring the hull but still buying liability insurance? That's what I would do at a minimum.
 
Correction

Yes, Liability insurance for sure. Everything else is on me. Folks with a loan don?t have this option though.
 
Yep

Yep, insurance is definitely a scam but a necessary evil.

I had two small claims in three years on my house; a lightning strike and a tornado touch down...

Lightning strike cost about $3000 and the tornado did no damage, used the $1000 storm damage allowance for tree removal.

The insurance company dropped me...and I had to go to Lloyd?s of London to get insurance, which was incredibly expensive. Seems I was now high risk.

I told them if I had known where the lightning was going to strike or the tornado was going to touch down, I wouldn?t have built my house there...

Anyway, it took almost five years to get off the high risk list...

Total scam.
 
Check with Farm Bureau if you qualify. I had a deer strike in my car less than 2 weeks after so bought it. $3500 in repairs they paid out. Then the following year a toilet water hose broke flooding my entire house for 3 days until I realized it when I got home after a hitch. When I got home we had to rip out the bottom half of the Sheetrock in the entire house plus everything else I lost that they paid for. About $45,000 in damages they paid out. Never got a policy raise except the normal yearly raises everybody gets.
 
drain in bathroom

... Then the following year a toilet water hose broke flooding my entire house for 3 days until I realized it when I got home after a hitch. When I got home we had to rip out the bottom half of the Sheetrock in the entire house plus everything else I lost that they paid for. About $45,000 in damages they paid out. ...
OT - And this is why I always recommend a drain in every bathroom, laundry room, kitchen - wherever there's water. Cheap to add when building, can be a pain for retrofit.
 
my premium for full coverage went from ~$2,900/yr for a "show quality"

Holy cow, I thought most people on here paid around 1300-1500 a year for this, let alone someone with your hours! What am I missing guys?
 
Holy cow, I thought most people on here paid around 1300-1500 a year for this, let alone someone with your hours! What am I missing guys?

You missed ?little TW and RV time?. Apparently these are thought to be prime indicators of risk, regardless of total hours. It?s not unusual for rates to be high until you?ve got 100 hrs in type. Although, usually not this high.
 
You missed ‘little TW and RV time’. Apparently these are thought to be prime indicators of risk, regardless of total hours. It’s not unusual for rates to be high until you’ve got 100 hrs in type. Although, usually not this high.

Last year I bought an RV-8. No time in RVs, hadn't flown a taildragger in 25 years, heck I hadn't flown an AIRPLANE in 12 years !!! I was flying helicopters for a living those last 12 years before I retired and I still paid $1491 (no deductible and $90k hull) so yes I think all of my certificates and total time do make a difference.

I didn't even get a minimum amount of hours to fly with another CFI, just have him endorse me as ready. It so happens I just got an email to renew this month, we'll see what they ask for now.
 
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Show Quality meaning higher end of the market

Carl,

By ?show quality? I simply mean the upper end of the RV7 market for IFR glass setups. The aircraft was a nice representative with custom panel featuring a dual 10 inch Garmin G3X touch, a GTN-650 Navigator, 305 autopilot, Garmin servos, etc...also a decent paint job and full leather interior. All the bells and whistles that had I been a builder, I would have included.

Let?s just say it was no more expensive than some of the 7 offerings out there today and if you extrapolate the numbers from a more modestly valued hull you still wouldn?t come close to the surcharge I am being quoted.

Final update...after communicating with a Falcon rep at the suggestion of the EAA Loss Protection specialist, they advise ? The aviation insurance market has hardened severely in 2019 and the trend appears to be continuing into 2020.?

Just putting it out there for situational awareness.

Fly safe,
Mitch
 
Holy cow, I thought most people on here paid around 1300-1500 a year for this, let alone someone with your hours! What am I missing guys?

That's what I'm paying with Gallagher. Right after I renewed, I got a quote from www.bwifly.com for $1129 for the same thing. They are in Alaska and I had never heard of them, so I was reluctant to change. Gallagher has also been great to work with. I have around 250 hours in a tail wheel RV8 and 400 hours total TW.

I manage our commercial insurance program at work and an offshore captive insurance company for self insurance, and for the past two years, insurance markets have been extremely tight with increasing premiums. I've been moving a lot more to our captive and buying more cat coverage.

Edit: this is for $80k in hull value
 
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I figured many were still paying in the range I have seen before. The insurance company must really hate low TW (if that's the case, good thing I'm building an A model:)). Or like you said, high hull value.
 
I?m hoping Texas laws wouldn?t let them do that here. Thanks to our insurance laws (as per my agent) if you hit a deer your insurance rates can?t go up because it?s a normal occurrence here and not anyone?s fault except the deer?s.
 
I'm sure paying a lot less than that with a 200k hull and a 4-seat aircraft.

When I started shopping insurance, my original broker stated "Expensive!" when I asked about the RV-10. I changed brokers and never looked back, other than to shake my head at what I almost had to pay.

-Marc
 
Thanks for the info. I think many of us were surprised by the $2900 number for an RV-7, even for a low time TW/RV pilot. So the only other variable that might have driven the cost up a lot would have been Hull Value. The recent ad for an RV-7 here on VAF asking $175,000 came to mind (not saying that was your hull value).

My last insurance renewal quotes for my RV-8 from different carriers and liability options are shown in the post below. Although I have a fair amount of TW and RV-8 time, others are/were getting similar quotes. I hope I'm not in for a big surprise this coming September!


For a true comparison of premiums, info is needed on the hull value, liability limits, pilot quals, and extra pilots covered. Otherwise, the comparisons are apples to oranges.

Truly sorry for your accident with the deer. Seems like the insurance company shouldn't hold that against you as much as they have.

Enjoy your new RV-7!

Thanks for the link to your comparison format, Carl. That's very helpful and shows a pretty wide disparity.
 
Holy cow, I thought most people on here paid around 1300-1500 a year for this, let alone someone with your hours! What am I missing guys?

A gazzion nosewheel hours and a fist full of ratings means nothing when it comes to taildraggers.

10 years ago I had a prop strike after someone left a trailer in the middle of a taxiway, on the back side of a hill. I didn't see it until after I got out of the plane, which was resting on the trailer. My insurance doubled for three years and then came down to a "normal" amount.

As mentioned above, you should have at a minimum liability insurance, even though it isn't required. An engine failure could find you landing in a farmer's field and having to pay for the lost crops and damage done by the equipment used to retrieve it. More so now that more and more farms have gone "corporate".
 
Thanks for the info. I think many of us were surprised by the $2900 number for an RV-7, even for a low time TW/RV pilot. So the only other variable that might have driven the cost up a lot would have been Hull Value. The recent ad for an RV-7 here on VAF asking $175,000 came to mind (not saying that was your hull value).

My last insurance renewal quotes for my RV-8 from different carriers and liability options are shown in the post below. Although I have a fair amount of TW and RV-8 time, others are/were getting similar quotes. I hope I'm not in for a big surprise this coming September!


For a true comparison of premiums, info is needed on the hull value, liability limits, pilot quals, and extra pilots covered. Otherwise, the comparisons are apples to oranges.

Truly sorry for your accident with the deer. Seems like the insurance company shouldn't hold that against you as much as they have.

Enjoy your new RV-7!

Great way to see the comparison between quotes but I couldn?t find the hull value, where did I miss it?
 
Up 16%

My insurance on my RV7A went up 16%. $90k hull coverage. Been flying 16 years in many different types of aircraft. Never made a claim. Bought a flying RV7a at the beginning of 2016, I have flown it 500 hours. When I asked the agent why it was going up when I have more experience and no claims, she sent an article spelling out that insurance across all types have had higher claims from natural disasters etc. and this is what happens. It goes in cycles.
Oh well, first world problems....

When I first decided that an RV was the right plane for my mission and started looking, I missed on a couple nicely equipped taildraggers. I did not have a tailwheel endorsement and was not sure what was behind the curtain. I know some high time pilots that own taildraggers who get a little nervy at the slightest wind. I planned to travel and don't want winds to be a big concern. I went and got a tailwheel endorsement in about 2.4 hours in a Citabria decided I could fly a tailwheel if I found the right one. In the end I found a 7A and I am glad it worked out that way. The insurance quotes were twice as much for the taildragger. The difference in premiums covers a large part of my fuel cost for the year. I am based on a grass strip and was a little concerned about the nose overs I have read about but it has not been an issue so far. I just keep the nose as light as possible at all times, even on pavement.
 
My insurance on my RV7A went up 16%. $90k hull coverage. Been flying 16 years in many different types of aircraft. Never made a claim. Bought a flying RV7a at the beginning of 2016, I have flown it 500 hours. When I asked the agent why it was going up when I have more experience and no claims, she sent an article spelling out that insurance across all types have had higher claims from natural disasters etc. and this is what happens. It goes in cycles.
Oh well, first world problems....

When I first decided that an RV was the right plane for my mission and started looking, I missed on a couple nicely equipped taildraggers. I did not have a tailwheel endorsement and was not sure what was behind the curtain. I know some high time pilots that own taildraggers who get a little nervy at the slightest wind. I planned to travel and don't want winds to be a big concern. I went and got a tailwheel endorsement in about 2.4 hours in a Citabria decided I could fly a tailwheel if I found the right one. In the end I found a 7A and I am glad it worked out that way. The insurance quotes were twice as much for the taildragger. The difference in premiums covers a large part of my fuel cost for the year. I am based on a grass strip and was a little concerned about the nose overs I have read about but it has not been an issue so far. I just keep the nose as light as possible at all times, even on pavement.

I was actively looking for an -8 or an -8a but when I kept reading all the horror stories of the nose gear on grass runways I decided on the -8 because I live on a grass runway. Good to hear positive stories once in a while !
 
Several years ago I got home from work only to find my house had been burglarized. I've been with my insurance company 30 years with no claims. They informed me if I claimed that my rates would increase 20%! My losses ended up being very close to my deductible of $5000 so no claim was made.

Regarding water running in the house for three days, (post 7)..... I have a checklist I go through before leaving home.... one item is water off at the main. Now with that said, I work 12 hour shifts two days a week... (semi-retired). If I had a failure of any waterline in the walls, it would pretty much flood the house anyway. I'm a little paranoid about this and even thought about putting in a valve above ground so I could turn it off every time I leave the house... I talked myself out of that.
 
Several years ago I got home from work only to find my house had been burglarized. I've been with my insurance company 30 years with no claims. They informed me if I claimed that my rates would increase 20%! My losses ended up being very close to my deductible of $5000 so no claim was made.

Regarding water running in the house for three days, (post 7)..... I have a checklist I go through before leaving home.... one item is water off at the main. Now with that said, I work 12 hour shifts two days a week... (semi-retired). If I had a failure of any waterline in the walls, it would pretty much flood the house anyway. I'm a little paranoid about this and even thought about putting in a valve above ground so I could turn it off every time I leave the house... I talked myself out of that.

I used to shut off all water to the house when I left on hitch too but then the girlfriend moved in and when you have a girlfriend who leaves the house a day after you to go visit her mom and doesn't shut the water, well this happens.
 
The insurance quotes were twice as much for the taildragger. The difference in premiums covers a large part of my fuel cost for the year.
I think you would find that after the first year or two of flying/insuring the taildragger that the rates would be much more comparable.

FWIW, I carry liability only and my rates actually stayed about the same for this year but with a bit better coverage. It appears to be the hull insurance that gets most people.

Plus if you make a claim as the original poster did, you have to anticipate rates are going to go up for at least a couple years, regardless of what the market is doing otherwise. There's a reason that the one of the first questions insurers ask on applications is whether you ever filed a claim! :rolleyes:
 
Several years ago I got home from work only to find my house had been burglarized. I've been with my insurance company 30 years with no claims. They informed me if I claimed that my rates would increase 20%! My losses ended up being very close to my deductible of $5000 so no claim was made.

Regarding water running in the house for three days, (post 7)..... I have a checklist I go through before leaving home.... one item is water off at the main. Now with that said, I work 12 hour shifts two days a week... (semi-retired). If I had a failure of any waterline in the walls, it would pretty much flood the house anyway. I'm a little paranoid about this and even thought about putting in a valve above ground so I could turn it off every time I leave the house... I talked myself out of that.

Have a friend who suffered a flooded home from a leaking water line, after the cleanup, he installed a solenoid valve on the water main with the switch by the main entrance. He got in the habit of flipping the switch every time he left the home.
 
I?m hoping Texas laws wouldn?t let them do that here. Thanks to our insurance laws (as per my agent) if you hit a deer your insurance rates can?t go up because it?s a normal occurrence here and not anyone?s fault except the deer?s.

That just means they're building that into the base rate for all insurance policies to begin with. :)
 
Yet my insurance here is way lower than for my properties in 2 other states. Go figure.

Well, the insurance companies aren't losing money, so it's a safe bet their actuarial tables have factored in all sorts of items that are specific to the state/locality where the insured item is located. If they're paying out any substantial amount for collisions with wildlife (mostly a problem for automobiles, granted), they're including that in their computations for certain.

They aren't dumb. If there's an outlay, it's covered somewhere by income. :)
 
claim pain

Pretty much any type of insurance claim increases the probability that your rates will go up with any insurer for that type of insurance (house, plane, car). I recall a consumer reports mag article (more than a decade old now) stating that you should never make three lifetime house insurance claims for any amounts because it is extremely likely that they will result in you being dropped from coverage and uninsurable. The article noted it was not the claim amounts that mattered - it was the aggregate number of claims.

It is ironic that you pay for insurance to cover loss, but using it (i.e., claims for losses) will raise your rates or may get you dropped. It's a free market, so nothing against the insurance companies - it is simply a matter of math (unless you want house flood insurance in some areas of the country - in that case no one will insure you, so the government has stepped in and offers flood insurance).

Anyway, the lesson is DO NOT file an insurance claim unless the insurance payment offsets the future rate increases. E.g., if my house is damaged for about a $1,000 above my deductible, it likely makes no long-term economic sense to file a claim.
 
Yet my insurance here is way lower than for my properties in 2 other states. Go figure.

Preface: I am a licensed insurance agent in most US states, have owned a large agency for many years and currently work for a very large corporate carrier. I AM the guy who decides on rates and filings for multiple products across multiple states for multiple companies. I am happy to answer any questions anyone might have.


Lots of "Apples and Oranges" comparisons here. The quote by the agent regarding deer being an "forgiven" claim relates only to Automobile policies and is a standard practice with auto policies across most states in the US.

Property policies being cheaper has absolutely nothing to do with that.

Similarly, the Deer strike in the plane causing a raised rate is because of the claim paid not weather or not is was deemed an accident. Every Insurance carrier can show you the data that backs the premise that the odds of future claims increases significantly following any claim. (Regardless of the $ amount!)

This same data gathering by the actuaries is why policies get non renewed after many years following theft claims. Theft on Homeowner policies as it relates to future claims is a significant predictor of future losses.

I always recommend everyone do a comprehensive rate comparison every couple years of ALL of your policies. One carrier may be extremely competitive in one geographic area and have totally horrible rates in another. Similarly, a carrier may be super competitive in one type of policy (Auto) and have crazy high rates with other types. (Homeowner / Boat / Motorcycle) These can all be based on many factors. Some of which are sometimes as simple as the company wanting to be more aggressive and grow a certain market more where they feel they are under represented.
 
Preface: I am a licensed insurance agent in most US states, have owned a large agency for many years and currently work for a very large corporate carrier. I AM the guy who decides on rates and filings for multiple products across multiple states for multiple companies. I am happy to answer any questions anyone might have.


Lots of "Apples and Oranges" comparisons here. The quote by the agent regarding deer being an "forgiven" claim relates only to Automobile policies and is a standard practice with auto policies across most states in the US.

Property policies being cheaper has absolutely nothing to do with that.

Similarly, the Deer strike in the plane causing a raised rate is because of the claim paid not weather or not is was deemed an accident. Every Insurance carrier can show you the data that backs the premise that the odds of future claims increases significantly following any claim. (Regardless of the $ amount!)

This same data gathering by the actuaries is why policies get non renewed after many years following theft claims. Theft on Homeowner policies as it relates to future claims is a significant predictor of future losses.

I always recommend everyone do a comprehensive rate comparison every couple years of ALL of your policies. One carrier may be extremely competitive in one geographic area and have totally horrible rates in another. Similarly, a carrier may be super competitive in one type of policy (Auto) and have crazy high rates with other types. (Homeowner / Boat / Motorcycle) These can all be based on many factors. Some of which are sometimes as simple as the company wanting to be more aggressive and grow a certain market more where they feel they are under represented.

So there you have it, straight from the horses mouth. Thanks !
 
Actuarial data on repeat deer strikes?

?Similarly, the Deer strike in the plane causing a raised rate is because of the claim paid not weather or not is was deemed an accident. Every Insurance carrier can show you the data that backs the premise that the odds of future claims increases significantly following any claim. (Regardless of the $ amount!)?

I welcome the opportunity to see any statistics showing that I will have a greater likelihood of ever having another deer strike claim, let alone another claim based on the fact that this event happened.

Given your expertise in this area, how long do you estimate that I will continue to see this surcharge?
 
?Similarly, the Deer strike in the plane causing a raised rate is because of the claim paid not weather or not is was deemed an accident. Every Insurance carrier can show you the data that backs the premise that the odds of future claims increases significantly following any claim. (Regardless of the $ amount!)?

I welcome the opportunity to see any statistics showing that I will have a greater likelihood of ever having another deer strike claim, let alone another claim based on the fact that this event happened.

Given your expertise in this area, how long do you estimate that I will continue to see this surcharge?

Speculating here but I think the premise is that those that have had a deer strike are operating their aircraft at fields that are prone to wildlife incursions and thus may be more likely to have another than someone that has never had a deer strike and operates mostly out of urban airports with little issue of wildlife problems...

And speaking of which, I know of 1 person that has had multiple bird strike incidents...

Skylor
 
?Similarly, the Deer strike in the plane causing a raised rate is because of the claim paid not weather or not is was deemed an accident. Every Insurance carrier can show you the data that backs the premise that the odds of future claims increases significantly following any claim. (Regardless of the $ amount!)?

I welcome the opportunity to see any statistics showing that I will have a greater likelihood of ever having another deer strike claim, let alone another claim based on the fact that this event happened.

Given your expertise in this area, how long do you estimate that I will continue to see this surcharge?

it's just statistics. Our "big data" researchers at work (6,000+ employees at our site alone) found, for example, that if you had a laptop, cell phone/smartphone or other device lost or stolen, *statistically* you were 50% more likely to have a *second* device lost or stolen. Granted, there were no penalties imposed, it was purely a research task, but...the science behind the analysis is valid.

YOU may not be any more likely to hit another deer, but statistics works in the aggregate, not in single units. I believe the insurance guy here :)
 
Speculating here but I think the premise is that those that have had a deer strike are operating their aircraft at fields that are prone to wildlife incursions and thus may be more likely to have another ...

IANAIA (I am not an insurance agent), but...they MAY put that information (home field) into their algorithms, but it isn't necessary. As I said just above...it's just stats.
 
Deer/Bird apples/oranges

So there you have it, straight from the horses mouth. Thanks !

Speculating here but I think the premise is that those that have had a deer strike are operating their aircraft at fields that are prone to wildlife incursions and thus may be more likely to have another than someone that has never had a deer strike and operates mostly out of urban airports with little issue of wildlife problems...

And speaking of which, I know of 1 person that has had multiple bird strike incidents...

Skylor

Skylor,

While your theory may be true if that was the aircraft base, in my case I was just passing through on my way home. I understand insurance is all about numbers, but often times it comes down to the details of the analysis. I suspect they stop peeling the onion when the numbers support their business case.

According to the FAA wildlife mitigation office (I spoke with them after filing my report) there have been approximately 1000 deer strike events involving aircraft in the past 20 years. That?s roughly 50 per year...not too frequent. There are over 13,000 bird strikes in the US every year. Each one is unique...the Hazard and Risk profiles, damage/costs etc...are different.

Deer strikes are thankfully rare, and as has been made clear in this thread, if you are unfortunate enough to have one it will cost you because that?s the way the insurance game goes. The other thing we are learning is that the ?insurance market is hardening?...translation...many will be subject to substantial premium increases regardless of claim history.

Fly safe,
Mitch
 
actuaries sitting behind a desk

Skylor,

While your theory may be true if that was the aircraft base, in my case I was just passing through on my way home. I understand insurance is all about numbers, but often times it comes down to the details of the analysis. I suspect they stop peeling the onion when the numbers support their business case.

According to the FAA wildlife mitigation office (I spoke with them after filing my report) there have been approximately 1000 deer strike events involving aircraft in the past 20 years. That’s roughly 50 per year...not too frequent. There are over 13,000 bird strikes in the US every year. Each one is unique...the Hazard and Risk profiles, damage/costs etc...are different.

Deer strikes are thankfully rare, and as has been made clear in this thread, if you are unfortunate enough to have one it will cost you because that’s the way the insurance game goes. The other thing we are learning is that the “insurance market is hardening”...translation...many will be subject to substantial premium increases regardless of claim history.

Fly safe,
Mitch

Unfortunately, it's a bunch of actuaries sitting behind a desk somewhere that now have determined that you are statistically a more accident-prone pilot. It's not right, but that's how it happens. Geico will increase your premiums on your auto insurance even if someone rear-ends you or hits you when you are stopped/standing still. Apparently you are statistically more accident-prone. Sure doesn't seem right, but that's the math, apparently.

The insurance market is in fact hardening. These things go in cycles, so we have to live through it.

Brian
 
Geico will increase your premiums on your auto insurance even if someone rear-ends you or hits you when you are stopped/standing still.

Not in California. If the accident was not your fault, the insurance company cannot raise your rates, by law.
 
Not in California. If the accident was not your fault, the insurance company cannot raise your rates, by law.

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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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.

I don't think this is true. The good driver discount is mandated *by law*, and as I understand it, an accident where you are not at fault can't cause you to lose the discount. That's as regards the 20% good driver discount mandated by state law...if they offer *additional* discounts for whatever reason, yeah, they could cancel those, I suppose.
 
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