Quote:
Originally Posted by greyshep
Yes it "should" not be, but it is unfortunately.
I think the insurance company looks at it like a transaction. They engaged us for our services, so we will keep this on our records as it consumed personnel time and systems to track even though no payout was required.
Also I would bet they look at it as a risk indicator for future policy pricing. ex) This guy calls in a lot (even if no fault), so he is either putting himself in risky positions a lot or he is going to make lots of claims for small stuff that costs us time/money.
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It all comes down to your contract, as insurance is just a contract matter. However, I would find it very strange that you would still be dinged for an accident that was 100% not your fault that you were able to recover 100% of damages for. Even if you can't recover all damages (Ex other guy has no insurance), if you can prove you were not at fault, there should be no claim.