That is an insurance companies pat answer and easy way for them to justify an increase with no way of you proving otherwise. If they raised your rates and cited your claim history as the reason, that is very to to prove or disprove. We are all at the mercy of insurance companies to a large degree.

Here's something else to consider: look at the breakdown between comp, collision and liability. I noticed this change a couple years ago.

I think you'll find insurance companies got smart and started shifting the bigger expense to liability as all cars carry that.

5-6 years ago, my older Miata premium was ~$500/year with < $200 to liability and the balance to other areas. Now, the reverse is true. Guess what? Every car now has that higher liability coverage, but not all have a comp/collision, or the higher premium associated with that.

The bottom line is they get the gold mine and we get the shaft. I'd do it the same way if I owned an insurance company.


Eddie