{"page":"\u003clink rel=\"stylesheet\" href=\"https://lessonplanet.com/assets/packs/css/resources-c03aa079.css\" /\u003e\n\u003clink rel=\"stylesheet\" href=\"https://lessonplanet.com/assets/packs/css/lp_boclips_stylesheets-517835be.css\" media=\"all\" /\u003e\n\u003cdiv data-title='Drivers Get Rate Hikes for Not-At-Fault Crashes' data-url='/boclips/videos/5c54d315d8eafeecae1e6e34' data-video-url='/boclips/videos/5c54d315d8eafeecae1e6e34' id='bo_player_modal'\u003e\n\u003cdiv class='boclips-resource-page modal-dialog panel-container'\u003e\n\u003cdiv class='react-notifications-root'\u003e\u003c/div\u003e\n\u003cdiv class='rp-header'\u003e\n\u003cdiv class='rp-type'\u003e\n\u003ci aria-hidden='true' class='fai fa-regular fa-circle-play'\u003e\u003c/i\u003e\nVideo\n\u003c/div\u003e\n\u003ch1 class='rp-title' id='video-title'\u003e\nDrivers Get Rate Hikes for Not-At-Fault Crashes\n\u003c/h1\u003e\n\u003cdiv class='rp-actions'\u003e\n\u003cdiv class='mr-1'\u003e\n\u003ca class=\"btn btn-success\" data-posthog-event=\"Signup: LP Signup Activity\" data-posthog-location=\"body_link_boclips\" data-remote=\"true\" href=\"/subscription/new\"\u003e\u003cspan\u003e\u003cspan\u003eGet Free Access\u003c/span\u003e\u003cspan class=\"\"\u003e for 10 Days\u003c/span\u003e\u003cspan\u003e!\u003c/span\u003e\u003c/span\u003e\u003c/a\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003cdiv class='rp-body'\u003e\n\u003cdiv class='rp-info'\u003e\n\u003cdiv aria-label='Hide resource details' class='rp-hide-info' role='button' tabindex='0'\u003e\u0026times;\u003c/div\u003e\n\u003ci aria-label='Expand resource details' class='rp-expand-info fai fa-solid fa-up-right-and-down-left-from-center' role='button' tabindex='0'\u003e\u003c/i\u003e\n\u003ci aria-label='Compress resource details' class='rp-compress-info fai fa-solid fa-down-left-and-up-right-to-center' role='button' tabindex='0'\u003e\u003c/i\u003e\n\u003cdiv class='rp-rating'\u003e\n\u003cspan class='resource-pool'\u003e\n\u003cspan class='pool-label'\u003ePublisher:\u003c/span\u003e\n\u003cspan class='pool-name'\u003e\n\u003cspan class='text'\u003e\u003ca data-publisher-id=\"30356011\" href=\"/search?publisher_ids%5B%5D=30356011\"\u003eCurated Video\u003c/a\u003e\u003c/span\u003e\n\u003c/span\u003e\n\u003c/span\u003e\n\u003c/div\u003e\n\u003cdiv class='rp-description'\u003e\n\u003cspan class='short-description'\u003eFOR CLEAN VERSION SEE STORY NUMBER: apus071919Most drivers don't expect to be hit with a rate hike on their auto insurance after a car accident that wasn't their fault. But a consumer group says it happens, and it's a problem.The...\u003c/span\u003e\n\u003cspan class='full-description hide'\u003eFOR CLEAN VERSION SEE STORY NUMBER: apus071919Most drivers don't expect to be hit with a rate hike on their auto insurance after a car accident that wasn't their fault. But a consumer group says it happens, and it's a problem.The Washington-based Consumer Federation of America says it found rate hikes on annual premiums as high as $400, in some cases.In the report released Monday, the group analyzed premium quotes in 10 cities, including New York and Chicago, from five of the nation's largest auto insurers. The researchers found that Progressive aggressively used a not-at-fault penalty, surcharging drivers in eight of the 10 selected cities. Rates in Oklahoma City and Los Angeles did not change. Oklahoma and California prohibit not-at-fault penalties.The group said GEICO and Farmers raised rates in some states by 10 percent or more. Allstate had occasional penalties. State Farm was the exception, with no increases on premiums for not-at-fault accidents.The industry countered that setting auto insurance rates is complicated and insurers look at many factors, such as a person's driving record, where the driver lives, the kind of car insured and the number of miles on it. Some insurers may consider not-at-fault accidents, according industry officials, but not all do.Washington - Exact date unknown1. Wide of cars sitting in trafficNew York - Exact date unknown2. Wide of cars sitting in trafficWashington - 13 February 2017+++SOUNDBITE STARTS ON PREVIOUS SHOT+++3. SOUNDBITE (English) Michael Best, Senior Policy Advocate, Consumer Federation of America:\"Today we released a report where we did research into ten cities and we analyzed whether or not, if you are in an accident that wasn't your fault, insurance companies could raise premiums on you. So for instance you're stopped at a stop light and someone rear ends you through no fault of you're own, you're in an accident, what we found was premiums can go up in eight out of the ten cities that we analyzed. I mean I think most people would think that this is unfair in its face. But what we also did find though, at least in two of the ten states that we analyzed, California and Oklahoma, rules don't allow and insurer to raise your premiums if you are in an accident that wasn't your fault. We also found that one of the large insurers, State Farm, didn't raise premiums even in the states that they could do it. So I think that what that tells us is we know this is a problem, I think everyone is going to agree it's unfair, but we also know it doesn't have to be that way in the 8 states where we found you could raise the premiums because we have  a really large insurance market, California, where it's not allowed, including a smaller one too Oklahoma, and we have a large insurer who doesn't do it at least in these ten cities that we analyzed even when they can. So I think that shows us that we don't need to have this practice.\"Washington - 13 February 2017+++SOUNDBITE PARTIALLY COVERED BY VIDEO+++4. SOUNDBITE (English) Michael Best, Senior Policy Advocate, Consumer Federation of America \"We have what we see is an unfair problem, we know it doesn't have to be that way, there's no clear case of why it has to be that way. So what we're hoping is that state lawmakers will open up their books and they will look to see if they're not in one of the ten we analyzed and whether or not insurers are allowed to raise premiums on people who have been in accidents that aren't their fault and if so that they will take the necessary action to change that and of course we also encourage consumers to see what their situation is too. Ask your insurance agent, ask your insurance company, 'if someone rear ends me at a stop light, can my premiums be raised just because of that?' and know that you have other places to go.\"Washington - Exact date unknown5. Wide of cars sitting in trafficNew York - Exact date unknown6. 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id='concepts-heading'\u003eConcepts\u003c/h2\u003e\n\u003cdiv class='clearfix'\u003e\n\u003cdiv class='details-list concepts' data-identifier='Boclips::VideoDecorator' data-type='concepts'\u003eautomobiles, personal finance, business\u003c/div\u003e\n\u003cdiv class='concepts-toggle-buttons' data-identifier='Boclips::VideoDecorator'\u003e\n\u003cbutton aria-expanded='false' class='more btn-link' type='button'\u003e\n\u003cspan\u003eShow More\u003c/span\u003e\n\u003ci aria-hidden='true' class='fa-solid fa-caret-down ml5'\u003e\u003c/i\u003e\n\u003c/button\u003e\n\u003cbutton aria-expanded='true' class='less btn-link' style='display: none;' type='button'\u003e\n\u003cspan\u003eShow Less\u003c/span\u003e\n\u003ci aria-hidden='true' class='fa-solid fa-caret-up ml5'\u003e\u003c/i\u003e\n\u003c/button\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003cdiv aria-labelledby='additional-tags-heading' class='rp-info-section'\u003e\n\u003ch2 class='title' 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