This is true guys. When I was going thru my situation with my car the insurance company was reading this board to get information on me. They quoted some post I made. Now.. Legally I think they cant just up your rates because you race to get money out of you b4 an accident. Thats like the police arresting you now because they think you will commit a crime in two weeks even though they have no evidence of this. If for some reason your rates are increased for no reason. I would investigate or change insurance companies.