Car Insurance Woes

While I was driving my truck last October, I hit a stupid post. It scraped the back door and part of the truck bed. Yes, I hit a bright white, inanimate object. Oh, did I mention I was in a parking lot? Stupid blind spot. If you'd like to take a moment to laugh at me, go ahead.
Don't worry I'll wait.....

After we reported it to our insurance so that we could get it fixed, I received a letter saying that I was "100% at fault." Nice. As if I didn't feel dumb enough already. I'd like to think that the stupid white post was at least 50% at fault, but I guess things don't work that way.


Since the accident was obviously my fault, I was very worried about our insurance rates going up. But when I received our renewed 6 month policy in December, our rates were the same. Nothing had changed.

I was relieved, but also a little leery. I called my insurance agent just to make sure that it was correct because I didn't want to get a surprise letter later on. She said that my claim was probably not closed yet, so my rates would stay the same until this policy ended. She said that in 6 months when I renewed my policy again, then perhaps my rates would go up at that time. But she wasn't certain if my rates would even go up at all.

So I had to wait and see..

This week I got my answer when our 6 month policy renewal came in the mail. Because of my at fault accident, my rates will be almost $70 more a month. Ouch.

I may have been able to get myself out of a parking ticket, but it looks like I couldn't evade those insurance underwriters...