I live in Virginia and it's time to renew my auto insurance policy by the end of this month with Progressive, and I've got a "Defective Equipment" charge coming back from 3/8/2010 causing my rates to go up. I am not sure why this is causing my rates to go up because its not a moving violation and it carries no demerit points with DMV. The charge is vague and could mean anything really...from a taillight out, to a hanging exhaust, to a bent wheel, to even a headlight out.
I'm going back and forth with the insurance company about this because its rediculous that this kind of charge would cause an increase in my rates. They stated that this info came from a C.L.U.E. report...I know what a C.L.U.E. report is and its pretty much a bunch of reports in one including my Motor Vehicle Report, which is where they are getting the "Defective Equipment".
I spoke with a lawyer that I know from a few years back on a seperate traffic case, and he even mentioned that he thinks it's a lie to have rates go up for this sort of charge. He also advised to look for different insurance which I would rather not do, simply because it does not seem right and if they raise my rates for it, then they are raising other peoples rates who have the same charge
Any help is appreciated, thanks in advance.