"

It's not my fault because of my race. 

It's not my fault because of my ethnicity. 

It's not my fault because of my ZIP code. 

It's not my fault that someone rear-ended me. 

It's not my fault that rocks flew off of a truck bed and broke my windshield. 

It's not my fault. 

"... Oh, It Ain’t My Fault. ... "

Companies should not increase extra$ on an already be-ill on beings for things that are not their fault.

It's wrong. It's not right. 

"

a solution: 

Apply to edit fix the file at lexusnexus and then get LOEs from the previous companies that you let have you.

After the file has been corrected, provide the LOEs to the next comp that you choose as the middleman for your auto insurance & then maybe a fair rate may be obtained.

IOW,

​The "C.L.U.E." Trap: Insurance companies use a LexisNexis report called C.L.U.E. (Comprehensive Loss Underwriting Exchange). If a rock hit your windshield and you just called to ask about it—even if you didn't file a claim—some companies list it as an "inquiry." To a new insurer, that looks like "risk." Cleaning that file removes the "ghost" claims that spike rates.  

​The LOE Power Move: A Letter of Experience (LOE) is the ultimate "receipt." It’s a formal document from your old company that proves exactly how many years you’ve been covered and—most importantly—that those accidents were not your fault. It overrides the automated "risk score" a computer gives you.

​The ZIP Code Fix: While you can’t easily change your ZIP code, providing a "clean" history through these steps forces the insurance company to weigh your actual behavior more heavily than the neighborhood averages they use to hike prices.

​By doing these steps, people stop being a "statistic" and start being a "person with proof." Proof is the only thing that makes an insurance company lower a rate.