Originally Posted by
Fr_Chuck
I am sorry for a couple wrong answers, yes the extra charge is for accidents, it does not matter who paid the claim, if you had an at fault accident in the past, yes it can effect you with any company you move to. All of your past driving record, tickets, accidents plus your credit can effect your car rate.
If you did not put the accident down on your application, it is possible they did not pick up it at first and found it only latter after running a more complete record of your driving.
Also most companies routinely run DMV and credit reports on you to see if anything has changed that you did not tell them about.