Not at fault? Your client’s auto rates likely spike anyway 0Share Published 02/15/2017 WASHINGTON, D.C. – Safe drivers who are in accidents caused by others often see auto insurance rate hikes, according to new research released Feb. 13 by the Consumer Federation of America (CFA). The research analyzed premium quotes in 10 cities from five of the nation’s largest auto insurers. Among the cities tested, drivers in New York City and Baltimore pay out the most for doing nothing

We have all seen the advertising where someone is so happy because they have had an accident and their insurance company did not raise their rates because they have had an accident. This is a great coverage to have. This coverage must be purchased as an endorsement to their auto policy or they may earn this coverage for being a long time customer. Let me explain. Insurance companies do have fine print in these ads, they make it seem that this coverage comes with every policy.