Quote Originally Posted by Aslan View Post
I remember thinking similar questions many moons ago after a 0% fault claim.

The short answer is that your insurance rate has nothing to do with how much you have put in, or taken out of some mythical kitty in the past. The fact that you have made a claim, statistically speaking, says that you are more likely to make one in the future so you get packaged into a rate group with riskier/worse/whatever people.

Sure, it sucks that rates can't be based on how defensively you drive, deep knowledge of traffic patterns, fitness, ability to heal, ability to minimize personal injury with cat like reflexes, instincts to reduce property damage during a collision, and so on and so forth... They just go with what they can see on paper. Of course, they also don't know much about the other party who may be involved in a theoretical future claim, just that it will more likely be in your territory, and statistically like past claims in that territory.

Personally, I think anyone who has made a claim will learn from the experience and get better, but I'm probably just projecting.
Well said