I previously posted about what to do if you have a claim and your insurance company finds you at fault. And someone pointed out a fault in my post. So, with that, I modify my post.
In the previous post, I explained what to do when your insurance company blames you for an accident. I then said that those were your only options. Well, I left one out. You can sue your insurance company.
Now, don’t think that this is easy or cheap. You can sue your insurance company for the increase in premiums. However, this may not be a lot of money. If your increase in premium is $1,500 over the life of the surcharge, you have a small claims court case. You cannot retain an attorney. If you win, expect the insurance company to appeal. Then, you can retain an attorney, but it can be expensive.
I do have a potential solution. If you think your insurance company has found you at fault erroneously, you should send an email to the Foundation for Taxpayer and Consumer Rights and let them know about your situation.