A couple months back I had an accident with my truck. A wild burro ran out
in front of us, and I swerved to avoid it. I managed to keep the truck on
the road, but we wound up upside down on the road. The California Highway
Patrol came to investigate and write up the accident. I was not drinking,
driving excessively fast (35 on a straight rural two lane), or doing
anything distracting. I did not receive a ticket and do not feel that the
accident was my fault.
I just received the "renewal" notice on my insurance from XXX Indemnity
which says they can not renew my policy as I had an at fault accident where
I hit a fixed object, but they will gladly sell me a policy from one of
XXX's other companies at an inflated rate. Since I didn't get a ticket I
have nothing to fight in court to try and defend myself from this. I take a
$700 (2 commercial trucks jump from 2000 to 2700) a year hit, and I can't
really shop around if everybody is going to see "At Fault Accident" when
they pull my driving record. I have not had any other tickets in 6+ years
either.
What can I do about it. Is my only choice to wait it out for 39 months
until it becomes ancient history and pay 3 to 4 years of inflated premiums?
