I feel you. My husband and I had over 10 years of 'safe driving' and of course the discounts that went with that on our car insurance. Then my daughter and her partner moved in with us in 2020 when Covid really got started and they closed the colleges in Sarasota and sent the kids home. They both had jobs and were splitting a car. The partner (who had no FL insurance) was driving the car and had a wreck. Our insurance gave us a 'free pass' on that and paid the claim. Then I was run in to by a woman while I was PARKED at a stop sign. Our insurance handled the claim then recovered from hers through subrogation. But the accident STILL counted against me. Then my daughter had a wreck herself. Then my husband had a fender bender. So now suddenly we went from being totally safe drivers of many years to getting a warning letter from our company basically saying 'you are on notice....'. But every damn time any of us leaves the house, the traffic here is just CRAZY. We sometimes see 3-4 wrecks a week. My husband was stopped at a light 2 days ago on his way home from work and some dizzy student hit him! Read ended him. It was very minor, it did dent his car, but he said just let it go because we are on notice with the insurance
