Insurance company issues need help/advice?

So I just got new insurance on new car i bought. They gave me a quote of 132.. I have a ticket and an accident with MY PREVIOUS CAR. THEY KNEW ABOUT THIS BECAUSE WELL THEY OF COURSE CAN CHECK YOUR DRIVING RECORD BEFORE HAND. AND THEY ALSO ASKED ME ABOUT IT. ANYWAY, THEY SAID IT WOULD BE 134 YESTERDAY I LOOK AT MY ACCOUNT AND THEY ARE CHARGING ME 220 AND I CALLED THEY SAID THAT BECAUSE I HAVE TO SHOW PROOF THAT I WASN鈥橳 AT FAULT IN THE ACCIDENT. THEY WANT THE POLICE REPORT AND I CALLED THE POLICE DEPT THEY CAN鈥橳 PROVIDE FOR ANOTHER 12 WEEKS BECAUSE THEY ARE BACKED UP WELL SHE SAID I WILL HAVE TO PAY THAT AMOUNT UNTIL I GET PROOF BUT I CAN鈥橳 GET IT RIGHT AWAY AND THEY KNEW ABOUT THE ACCIDENT BEFORE WHY COULDN鈥橳 THEY REQUEST THAT INFORMATION BEFORE Signing ME UP AND GIVING ME A QUOTE IS THERE SOMETHING I CAN DO%26gt;??????Insurance company issues need help/advice?
They don't check your driving record, until you commit to buying the policy. That's because it costs them abotu $15 per report. So, if they give quotes to 100 people that don't buy, that's $1500 they just lost, if they check first. So, if they took your word for it, that the other person was at fault, and the info came back differently, that's why there's a rate increase.





Police reports, don't determine fault - but you can be pretty sure that if you got a ticket for your part in that accident, you WERE at fault.





See, they are surcharging you, because there was an accident, and YOUR policy paid out your damages. If someone ELSE was at fault, THEIR policy would have paid out your damages, not yours.





So that's why they think YOU were at fault. And why they didn't check, until you committed to buy the policy.Insurance company issues need help/advice?
Call your agent and ask them to talk to the underwriter. Ask if the underwriter can make an exception on your rate until you can get them the police report.





If it was a hit and run, the police report should show this and clear you. If they refuse to remove the surcharge until they get the police report, ask if you will be refunded the surcharge, since they shouldn't have charged it in the first place.





As for whether collision or comprehensive coverage pays -- in my state collision pays if it is a hit and run, comprehensive pays for things like vandalism and theft.
make use of the SE like google or yahoo to get some ideas first if you want to get the massive information,however if you do not want to spend so much time,here http://www.CarInsuranceTip.info/free-car鈥?/a> is a direct and good resource for your questions.
Evidently, your insurance paid by your collision coverage. A hit and run should have been paid by comprehensive coverage. If it had been, you wouldn't be going through this.