What is the name of your state? MA
I was involved in a 4 car pile up in March of 2004. The damage to the vehicle ahead of me was about $500, which is equal to my deductible. I chose to have a hearing and hope to just pay the money out of my pocket rather than involve the insurance company so that my rate doesn't go up. (At least I think that's what will happen).
It's now been 19 months and I still haven't had my day yet. However, within a few days of the accident the insurance company began charging me at the higher rate. It's obviously in their interest to drag this out as long as possible since if I win they have to reimburse the money charged at the higher rate. Can they legally charge me before I've been proven right or wrong? Isn't that like being considered guilty until proven innocent?
I was involved in a 4 car pile up in March of 2004. The damage to the vehicle ahead of me was about $500, which is equal to my deductible. I chose to have a hearing and hope to just pay the money out of my pocket rather than involve the insurance company so that my rate doesn't go up. (At least I think that's what will happen).
It's now been 19 months and I still haven't had my day yet. However, within a few days of the accident the insurance company began charging me at the higher rate. It's obviously in their interest to drag this out as long as possible since if I win they have to reimburse the money charged at the higher rate. Can they legally charge me before I've been proven right or wrong? Isn't that like being considered guilty until proven innocent?