Insurance Company Unfairly Finding me at Fault

[~BC~]

What is the name of your state? Illinois

My Insurance Company is finding me at fault for an accident with my car this past winter. I do not belive whatsoever that I am at fault for this. They are raising my rate by $250 every 6 months to top it off and I have a clean driving record driving for 13 years. Here is what happened:

My car was parked in a inclined driveway for about 3 hours. The weather was very cold and icy. My car is a stick shift and was properly parked. I wasnt in the area (1/2 hour away) when this happened but my car rolled or slid down the driveway into a ditch and bumped into an SUV. The SUV wasnt damaged but my car was from the ditch. The police officer on the scene declared I was not at fault after he inspected the scene & my vehicle issuing no tickets. I have a high detuctable on full coverage insurance and paid half the total damage cost.
I just found out they found me at fault when they sent me a renewal policy that was jacked up. I really feal like they are unjustly trying to rip me off and dont really know what I can do about it.

Questions: Isnt this comprehensive & not collision?
How can I be declared at fault when my vehicle was properly parked for 3 hours with no one in the car?
Is there anything I can do to fight this?

Thank You for anyone that replies!!

 

[absconder]

Do you have a drivers license? 1st thing they teach you is to put the parking brake on and turn the wheels into the curb when parking on a hill. YES your responsible for parking your car correctly.NO EXCUSES.

 

[~BC~]

Please READ before making crude remarks.
Did I say the vehicle was properly parked? YES
If it wasnt how could it stay in place for 3 hours also.
The vehicle slid on ice down the driveway.

 

[stephenk]

how did ice form under your tires? was ice on the driveway when you first parked the car?

you can request a review of the fault assessment. send a letter to your carrier requesting all information on which they based the increased rate.

 

[Happy Trails]

What is the name of your state? Illinois

My Insurance Company is finding me at fault for an accident with my car this past winter. I do not belive whatsoever that I am at fault for this. They are raising my rate by $250 every 6 months to top it off and I have a clean driving record driving for 13 years. Here is what happened:

My car was parked in a inclined driveway for about 3 hours. The weather was very cold and icy. My car is a stick shift and was properly parked. I wasnt in the area (1/2 hour away) when this happened but my car rolled or slid down the driveway into a ditch and bumped into an SUV. The SUV wasnt damaged but my car was from the ditch. The police officer on the scene declared I was not at fault after he inspected the scene & my vehicle issuing no tickets. I have a high detuctable on full coverage insurance and paid half the total damage cost.
I just found out they found me at fault when they sent me a renewal policy that was jacked up. I really feal like they are unjustly trying to rip me off and dont really know what I can do about it.

Questions: Isnt this comprehensive & not collision?
How can I be declared at fault when my vehicle was properly parked for 3 hours with no one in the car?
Is there anything I can do to fight this?

Thank You for anyone that replies!!

I agree with Stephenk. Are you sure that the rate increase was from finding you at-fault or just a normal increase.

If your wheels were turned into the curb, it's pretty strange how your car would have continued to roll.