I live in Michigan and have Progressive auto insurance. In January of this year I was rear ended by another driver. There was very minor damage to my rear bumper and their front and no injuries.
The local police Dept and they said they typically don’t respond to minor situations like this. (Damage less than $1000 and no injuries). So we exchanged info, took pictures, and went on our way.
I got two estimates. The cost to repair my bumper was less than my deductible so I paid out of pocket. I never notified my insurance. I have no idea what the other person did.
This week I got the renewal offer for my insurance and it was suspiciously high. I did a manual quote for myself with my same VIN on progressive.com and it was almost $200 less per 6 months than the renewal. I asked progressive about the discrepancy and they cited a report of “damage” to my car.
Since I was 100% not at fault here, progressive didn’t pay a claim (I paid out of pocket), and frankly didn’t even notify them, can they raise my rates? How did the “damage” even make it into the record if no police report was made and no claim was filed? Is there something I can do to correct this situation? It seems quite unfair that my rates would jump ~30% for being the victim of a minor fender bender and paying out of pocket.
The local police Dept and they said they typically don’t respond to minor situations like this. (Damage less than $1000 and no injuries). So we exchanged info, took pictures, and went on our way.
I got two estimates. The cost to repair my bumper was less than my deductible so I paid out of pocket. I never notified my insurance. I have no idea what the other person did.
This week I got the renewal offer for my insurance and it was suspiciously high. I did a manual quote for myself with my same VIN on progressive.com and it was almost $200 less per 6 months than the renewal. I asked progressive about the discrepancy and they cited a report of “damage” to my car.
Since I was 100% not at fault here, progressive didn’t pay a claim (I paid out of pocket), and frankly didn’t even notify them, can they raise my rates? How did the “damage” even make it into the record if no police report was made and no claim was filed? Is there something I can do to correct this situation? It seems quite unfair that my rates would jump ~30% for being the victim of a minor fender bender and paying out of pocket.