Soldato
- Joined
- 18 Oct 2012
- Posts
- 8,333
Because it isn't about fault it's about risk and unfortunately you've demonstrated, through no fault of your own, that you keep your car somewhere where there is additional risk of damage.
This is the point people always miss when they question why being involved in a non-fault accident affects premiums.
thing is, has this demonstrated additional risk?
if the guy randomly blacked out in the rare (but not unknown) way folks can, and is subsequently banned from and stops driving any vehicle on the road, then how has the risk increased beyond what it had been before?