Husband totalled his car last year and the insurance company is charging us for his totalled car on new policy. Are they allowed to charge us for a totalled car that you don't own anymore?

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When a car is totalled, it goes on your driving record. When insurance companies look up your record, they take that claim you made and make it part of the deciding factors of how much your premium should be. I had an at-fault accident last year and it did not total the car, however the insurance company hiked my rate 50 dollars. My best advice to you is shop around. Seeing a broker (someone who sells insurance on behalf of a certain number of insurance companies) may save you some time.

First answer by Mothra820. Last edit by Mothra820. Contributor trust: 295 [recommend contributor]. Question popularity: 17 [recommend question]

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