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Like all accidents, I was hoping to be grateful no one was hurt, get the car fixed and put it behind me. Which was even easier to do because it was not my fault and the other guys insurance covered everything.
However, 9 months after the incident, it is coming back to haunt me.
I did some searches recently to find out why I kept seeing stacks of money with eyes staring me down, and if the Progressive web site really had a spunky brunette with a headband (who I'm pretty sure also does yoga on a Glade commercial) who really could make me feel great about buying new car insurance online.
At first I was in disbelief to find out that by switching to one of several different companies I could cut my current premium of $170/mo almost in half to about $90/mo.
I went with Allstate. Partly because I had Allstate before and liked them, and partly because they e-mailed me instead of calling me at home like I had requested in the search process.
So sorry State Farm. You lost out for no other reason than that you made the mistake of trying to talk to me in person. (I hate that).
And I proabably have to admit that I like the Allstate commercials better than any of the others. After I got to know and like the US President from "24" and he became the face of Allstate, how could I not feel like I was in good hands?
Through a process of about 20 e-mails with my local Allstate agent we got the all of the policy preliminiaries out of the way, which included a driving record check.
I had been honest about the fact that I was in an accident last spring, but was not at fault.
However, that's not what my driving record says.
According to my DMV record I was listed AT FAULT for the accident.
Which if true, doesn't explain why the cop at the scene told me he was citing the other guy and why the other driver's insurance paid for all of my repairs.
This one little clerical error, as the agent told me, changed my quote from $90/mo. to $190/mo.
So I am off to the courthouse today to get a copy of the police report, which I then have to take to the DMV to appeal to have my record changed.
My agent can change me back to the original rate if she has a copy of the police report too.
Keep your fingers crossed for me that I can resolve this with as little violence as possible.
I would really hate to get so frustrated about this that I start to road rage and actually cause an accident that would be my fault.