Interesting. How did you discover that they found you at fault?
I started shopping around for quotes after my SF agent called to pre-emptively warm me rates were going to go up quite a bit this year for our auto's.
I figured it was a good time to look. In the process I was talking with Farmer's agent and as I was informing her of my no-fault accident last summer she mentioned to me that my MVR (Motor Vehicle Record) was showing it as an At-fault. SO I called my SF agent, and he confirmed with claims department that it was indeed a NO-FAULT claim, and I asked them to send me over a "Letter of Explanation" which is basically a letter in-writing that documents that the claim was NOT an AT-FAULT.
So somehow, and maybe it wasn't SF fault, but I have no way to know, it was processed with my Minnesota MVR as an at-fault. Sooo...I am awaiting my copies of my MVR and Driving History records from the state, to either confirm or deny that it in fact is coming back as an at-fault on their systems.
My guess is it is, and then I will need to send the state agencies that letter of explanation just as I did to the new agents quoting new insurance, to get it fixed.
Because IF I don't, the next time any auto insurance company re-runs my DMV report, it will continually pop up as at-fault, and I will get a premium hike...and then will need to go back to that letter of explanation to bring my premium back down to no-fault levels.
Just a massive PITA.
The thing that really irked me about SF is that the claims process sucked. I told them I was getting multiple quotes to fix my vehicle, but as soon as the fist company sent in my paperwork to SF they immidiately cut me a check for the total that the first shop quoted. I then got a second quote, and that shop was able to get the work done a LOT sooner so I decided to choose them, but since that check had been cut and was sent out it just slowed the entire process up. A lot of back and forth between two auto body shops, me and the claims department.
Then we get to the part of the work being performed and they apparently denied the quote to actually replace the fender that was damaged, and only would cover body work (bondo and paint etc) which I wasn't pleased about. They also wouldn't cover a NEW headlight and demanded the body shop source a used one...so that delayed the vehicle getting fixed. I wasn't happy. The panel between my door and my front fender don't totally line up...maybe just I would notice but if you look at the other side of the truck its noticeable that the gap is way too big. And that was a result of the body shop having to repair vs replace. I spoke to the body shop, they recommended I fight the repair vs replace situation, but at this point...I had had enough.
Insurance...one of the world's biggest scams, just below taxes IMHO. Health Insurance is equally as messy. It seems every single medical claim I file, and bill I receive has some sort of "coding" issue or some other bs charge I was never informed about or uncovered expense etc etc. It's like, hey what am I paying for? A rant for another day I suppose.