20-12-11, 12:08 AM
Quote:Why is this allowed to happen?
They work on the principle that anyone who has had an "insurable event" is more likely to have another - they are probably right and it has stood up in court.
I had similar after I deliberately drove into a woman in a red Golf who crossed into my lane (Actually I expected her to back-off but she didn't). I am an increased risk because I am prepared to play "chicken" with tossers.
You could try sueing her in the small claims court for adversely affecting your insurance credentials.