To think if you've had 3 accidents in a year you can't bitch and moan when your insurance costs more?

[SharkiraSharkira]

I have a FB acquaintance currently battling to try and get her car insurance quote at a reasonable price. Fair enough, its an expense most of us have to pay and would rather not pay too much for.

Except that she has had 3 car accidents since she started driving 18 months ago and therefore I can't understand why she is so het up about having to pay a lot more. It seems obvious to me that that makes you a higher risk as a driver and therefore you have to pay more to be insured?! She is not the most careful driver either and although I was not there to personally witness from conversations with friends it would seem that she was at least partially at fault in 2 of them. Unless she is just really unlucky? If you don't modify your driving behaviour so you have no accidents you have to accept that you will need to pay more for insurance.

Aibu?

patriarchy innit.

My husband's insurance went up due to an accident.
Our neighbour reversed out of her drive, to fast and without looking. Straight into his car. He wasn't even it.
It was a cat d write off.
Now that is unfair!!

As you've described it, then she has to suck it up I'm afraid.

Well quite Pepsi, if he wasn't even in it at the time how can he possibly be at fault!

Not so in her case though, in one of them she went into the back of someone (driving too fast and didn't stop in time) and another one she was too far over on the road (into the other lane) so someone turned into her. One of them was bad enough that it wrote the car off and she had whiplash/back trouble and so on.

Can't see why you would be surprised that your insurance went up after that tbh.

in one of them she went into the back of someone (driving too fast and didn't stop in time)

For that one at least, she is wholly, not partially, to blame.

As someone who has also had 3 accidents in a similar time frame (although I have been driving over 30 years and prior to this hadn't had any accidents for at least 28 of those) I don't think crowing about your friend's situation makes you a particularly nice person TBH.

You've said you didn't see the accidents. I expect she is annoyed with herself because she knows it's her fault. Surely she's still allowed to moan about it? I don't suppose she set out deliberately to crash?

High prices mean they think shes a liability they dont want on their books

Pepsi- your insurance went up because you live next to someone who managed to write a car off reversing out of her drive!!

I agree Papa, it was the other one where I think she was partially at fault but I can't remember the details of that one.

She is free to moan but what irritates me is that she has obviously not made any attempt to modify her driving behaviour, as these incidents were spaced out over a period of time and she is still driving the same way. All these incidents have a common theme, driving too fast, not leaving enough space, being overconfident, etc. She fancies herself a bit of a boy racer (as she has a lot of friends who are) and I suspect she drives a bit recklessly because she wants to 'fit in' and be one of the guys. All of this is her choice but if she is going to drive irresponsibly then she should deal with the consequences in my opinion and that means having to pay higher insurance premiums.

^I say all of the above in the full knowledge that, when I do start driving (which I don't currently), I will probably be terrible as I am so nervous about getting into an accident! So I will probably have the opposite problem myself.

She sounds really immature (as well as a terrible driver). Is she about 17? Hopefully she will be priced out of insurance and will grow up a bit before returning to the roads.

Sadly not papa, she's late 20's and has 2 kids

That's awful. I feel sorry for other road users. I know someone who died when some idiot going too fast rammed into the back of her as she was waiting to turn into a side road. Hope she stops behaving like this.