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UPDATE 3: Hit & Run

I'm one step closer to getting my money back from the trucking company. I spoke to Frank in the Safety Department, and he wanted to see the invoice from the car repairs and the police report. I faxed them to him, and he said I should hear back from him tomorrow. The only question is whether I can get any money to cover any of the collateral expenses (e.g. potential increases in insurance rates, my time, etc.).

Through this process I have discovered some interesting pieces of information about auto insurance. First, different insurance companies count things differently. Specifically, when I called Geico for an insurance quote last night, they actually took into account the Hit & Run, even though they understood it wasn't my fault. Out of curiosity, I asked for a quote without counting that accident, and the cost for 6 months insurance was around $150 cheaper!

I also called Progressive, the company that heavily advertises about how they give quotes for themselves and their competitors. Their quote was higher than my current insurance (Allstate) even though they said that the recent accident didn't affect the quote. When they proceeded to give me a quote for "other insurance companies," they couldn't do an apples to apples comparison, because they work off of generic information that the other companies publish. The other companies turned out to be some last chance insurance (for people with really bad driving records), which was roughly 4 (four!) times as much as my current rate, and Allstate for whom they wouldn't give a quote, probably because they didn't want me to notice how far off their estimates of other companies rates are.

Meanwhile, as near as I can tell, Allstate doesn't care about the accident, just so long as they don't need to get involved (e.g. if I go after the trucking company for the money myself). It kind of makes me wonder why I'm paying them all this money, but at the same time, I'd rather my rates not go up, even if for a ridiculous reason.