No fault insurance premium increase

NotAtFault

Ditzy_Mitzy said:

Without wishing to cast aspersions, perhaps the insurers are applying some sort of 'Harvey Dent principle'.  @NotAtFault does seem to have had more than his fair share of bad luck.  It may simply be that the insurers are taking that into account making the assumption that the losing streak may well continue; maybe they even go so far as to think there might be something about his manner of driving that places him in more unfortunate situations than the average motorist.  

Such practices may be grossly unfair to a single individual, but there's nothing to stop insurance companies doing it.  The risk industry would cease to exist if they couldn't, as the whole business of writing policies is based on individual assessment of prospective policyholder and requirements.

I take your point but it's just been bad luck. All three of my non-fault accidents were in different places, at different times and in different circumstances. Two involved speeding drivers in different parts of the country and let's face it we all see them every day. I don't even drive a lot of miles (about 4000 a year, much less so since the pandemic). Statistically I shouldn't have another incident after this. It's the drivers with clean accident histories that need to look out