So I was just on the phone with my car insurance company, getting them to explain just why they decided to raise my monthly payment by $40 (apparently Iā€™m crash prone; one rear end crash and two acts of God weather accidents lists me as a liability), when they said something curious, ā€œinsurances with no fault charge you more for that serviceā€. How true is that?

Edit: my apologies, it seems that Iā€™m mixing up no fault with accident forgiveness, at least in my head. The way the agent said it made it sound like I dont have no fault insurance, which is why I got confused.

Update: I called again, and they kept throwing information at me. I have no idea why they mentioned the weather accidents at all, because they said it isnā€™t affecting my policy. Itā€™s only the rear-end accident that raised the premium. And the person I hit did make a claim.

Also, one agent said there was an issue with my accident in Dec ā€˜13, and it was being currently reviewed. I asked ā€˜when did they start reviewing itā€™ since I havenā€™t called them at all about it. He then said it was actually closed and wasnā€™t currently being reviewed, and opened sometime in ā€˜14. Confused, I asked for clarification if it was being reviewed or not, which he changed the subject by asking ā€œso what do you want out of this call?ā€. -_-.