I have Liberty Mutual , in Massachusetts , and they had me paying a high premium for the past several months because I was in a hit and run auto accident . They found me to be more than 50% at fault , which was ridiculous , so I filed an appeal with the Board of Appeals and I had a hearing . The Board of Appeals reversed Liberty Mutual's decision and they found me to be less than 50% at fault . I received a letter in the mail notifying me of this decision . So , now that I have that reversed , and Liberty Mutual has been ordered to lower my premium to the correct amount , can I get a refund from all the months that I paid the high premium since it wasn't my fault ?