My auto insurance company has been charging me fees, rate increases (originally I was told it would be a decrease!), and a whole other mess with the DMV. I have not had any tickets, accidents, or claims. No one has been able to satisfactorily explain to me why this is happening. How do I now if I have a case with the insurance commission/and or a small claims lawsuit?
you can visit the company's official website from where you can know about the insurance procedure / rates etc.
usually the vehicle is insured on the depriciated price and if the same company is continued every year, then they give the no claim bonuses.
There is a unique number called the "Cover Note" number from which you can trakc down your insurance details from the company.
Wish u luck Buddy!!!!
Shop around for a better rate. Rate increases are typical, it's nothing unusual. You have no case with the insurance commission or in Small Claims Court.
You definitely would not have a small claims lawsuit (what would you be suing for??) - but what you should do is discuss with your agent and find out why your premiums are increasing - usually premiums do increase regardless of no claims/no tickets - due to inflation and increased risk assessment. If your insurance agent cannot give you a reasonable explanation to the increase in your premium, you may be able to file a complaint with your state's department of insurance.
More than likely, it is just a standard rate increase and has nothing to do with you personally. In which case, you really can't do anything. If you are unhappy with your current insurance provider, I suggest you shop around. There are plenty of good companies out there that would love your business.
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