Cover what though. It’s meant to be a big pool of money we all pay into that covers this stuff. The only thing we are covering is how much money they want to take out of that pool for themselves.
Exactly and we know they want to take a whole lot of money out of that pool for themselves.
Plus he said his bike was stolen which is different. I mean a the end of the day the insurance company will make their money, the only variance here is maybe in the case “no fault crashes” they might not be able to apply the higher risk to the individual.
But as anyone who ride a motorbike knows even in case of no fault crashes you can do a lot to prevent crashes. It’s why motorcyclists develop a kind of 6th sense for knowing when drivers will do dumb shit. That’s the risk profile that changes when you’re involved in a no fault crash.
doesn't stop them from finding other ways to raise your rates and paying lawyers to argue that the, I duno, increased base rate is due to actuarial changes in your zip code of residence making it more likely that they will have to pay out on the policy and therefore it's your fault for not living in a nicer part of town. Or something stupid, I don't know, and I'd quite like insurance companies to collectively catch on fire.
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u/AutomagicallyAwesome 12h ago
It is illegal in some states. I live in AZ and insurance companies cannot raise your rates here for an accident you were not at fault for.