UTAH -- I have had auto insurance through Met Life for over four years now and have never had any accidents. My daughter bumped someone eight months ago and because the damage was nothing more than a scratch both parties decided to go there separate ways. No police report was ever filed, however approximately three weeks ago the couple contacted my daughter informing her to either pay eight hundred dollars for damages or they were going to file a claim, to which they did file a claim and Met Life paid out the eight hundred dollar damage. Which didn't bother me until I got the letter stating the rate increase my policy went from $4300 dollars a year to $5988 a year.
I just don't understand what I'm paying for if an $800 dollar damage can increase my yearly payment $1688 dollars, then I am apparently in the wrong business.