Moocow
Active Member
- Joined
- Sep 8, 2019
- Messages
- 34
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- Your Mercedes
- C250 CDI - Sport 125 - 2011
I have read this many times before and do not accept the reasoning behind it.
Example. My son in law was stationary at a red traffic light in his car. He was hit from behind by a lorry driver not paying attention who later admitted liability. How does this make my son in law more likely to be involved in another traffic accident? And why should his premium be loaded because of a non fault accident?
You missed my point and I understand you are somewhat angry about it. I don't like insurance either, but I am trying to explain why it goes up in this case, it's not bull it's math.
It is because people who have been involved in an accident are (based on the evidence/history that the insurance company has access to) are statistically more likely to have a second or further accident than those who have no record of any.
It doesn't matter that your son in law didn't cause the accident, facts are that those who came before him did and that is perceived risk.