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WHAT TO DO ABOUT YOUR AUTO INSURANCE SURCHARGE

What do you do if your auto policy is surcharged? What is a surcharge? Insurance companies typically collect insurance surcharges from policyholders whose driving records include certain motor vehicle offenses. The surcharges that are imposed are different for different offenses. Surcharge-able events include (but aren’t limited to) alcohol and drug related offenses, regulatory offenses such as driving without a license, driving without valid insurance or driving while suspended, and accumulating violation points in a certain time period. If you had an accident and was not at fault or if you are not guilty of the aforementioned offenses, then you may have valid reason to contest the surcharge. To do so, do the following:

1. Call your agent to discuss this issue. Have them review your record
2. Check with family members to see they drove your car with out your permission and had an accident or moving violation
3. Did one of your friends use the vehicle and commit a violation?
4. Were you late on a premium payment
5. Was this surcharge based on changes in your credit report?
6. Did you get a ticket that was later dropped
7. Clarify your carriers policy on surcharges
8. What is the monetary threshold regarding surcharges. i.e. how much do they have to pay on your behalf before your rates go up?
9. Do you need to contact your state department of insurance to request their input regarding surcharges on your policy
10. If you had an accident and was not at fault but was surcharged, you may want to get a copy of the police report to show to your agent, claims person and underwriter.

The above should assist you in appealing auto insurance claims surcharges. They serve as a good starting point. You will have to pursue the matter to conclusion.