Ask your agent to explain. It may be because you were found at fault and that caused the increase. If you have collision coverage, and truck was totaled, you should make a claim under your policy.
I worked as an insurance adjuster and sometimes we made mistakes when issuing the check. The claims handling process you have to enter some type of fault when you are issuing a check, so it is common to enter percentage of fault.
As others have suggested talk with your agent and find out what happened. The agent should be able to talk to claims department and find out what happened. If the adjuster entered the information in error, they will have to notify underwriting to get it fixed.
This information is provided for general purposes only and should not be construed as legal advice. No attorney-client relationship is created with the furnishing of this advice. Attorney licensed in North Carolina only.
You indicated that your insurance company paid for the damages sustained by the vehicle that your rear-ended. If your insurance company had to pay the third-party for damages caused by the accident, you were deemed at-fault, or partially at-fault, for the accident. Hence, the reason why your insurance rates went up.
You have a fairly complicated claim going here. Instead of getting a little advice here and attempting to do something by yourself, you should strongly consider at least getting a free consultation from an experienced attorney in this area. You will always have a better recovery and make solid decisions with the guidance of a professional that handles this type of situation every day. You wouldn't operate on yourself, right? So, trust the assistance of an attorney in your area. AVVO has an excellent "find a lawyer" area to help you find someone with no obligation. Give it a try and good luck to you.
licensed attorney in Montana. Your specific state laws may be different.
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