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Originally Posted by David Harville
As for non-renewals, they're pretty uncommon in my experience.
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What about the part about insurance companies not liking drivers with "not at fault" accidents?
What brought this up was at the time, I had two. The first one was a police car cut me off on my motorcycle. He was a few car lengths ahead of me in the center lane of a three lane one-way street. I was in the left lane. He decided to make a left turn from that center lane, with no turn signal. I crashed into the driver's side door. Officer said he didn't even see me behind him. The second was I was sitting as the first vehicle in the side street, waiting for my cross traffic light to turn green. Two cars collided in the intersection and one of them got redirected towards me. Again, I was on my motorcycle. Car knocked me off the bike.
Both accidents weren't my fault. Hypermiling wouldn't have saved me, as I was already going 30
mph. But, faster reaction time (noticing the car was slowing down without brakelights coming on) and a quicker application of the front brake would have stopped me before hitting the car. The second time, no amount of hypermiling would have saved me either, since I was stopped at a red light.
I'm not doubting hypermiling (just incase Delta Flyer thinks so) saves anyone from accidents, I just think it's probably that the driver/hypermiler is more aware of his/her surroundings.
Both of those "not at faults" are off my records now. But for the three years that followed those accidents, I didn't switch companies because I thought another company would rate me higher because of them. If Harville can shed some light on this, then if it happens again, I'll know better.
With Harville on the forums, some of the inner workings of insurance companies can finally be decoded to us!
