3 auto accidents, none my fault?

Question

I have had 3 auto accidents in 7 months, none my fault. All 3, the other driver got tickets. All 3 had auto insurance. Two of the accidents totalled my car, and I subrogated through my insurance company, Hartford. Should I be worried that I have a black mark against me in the insurance database? Hartford claim service has been great to work with, but just am worried if it's coming with a price adjustment. Even though Hartford will go after the other guys's insurance, I'm sure they put a price tag on the work they are doing on my behalf.

Answer 1

Just curious, but how did two accidents total your car?

A claim against your car insurance is still a claim.

Answer 2

Your rate cannot be increased due to the accidents not being your fault. The one thing that can cause a problem, is that your policy may be non renewed for "increase in hazard" Due to the frequency of accidents you are involved in, they may elect not to keep you after the term of your policy. Legally they can do this; but, for the increase in rates, that cannot happen specifically of the accidents.