Auto Insurance Claims: Auto insurance, sky rocket, insurance company

Question
I have recently found out that the insurance companies offer a accident rating waiver endorsement which they promote as a free accident that will not affect your rates. what they don't tell you is that if you are in a accident within the next 6 yrs they then bring the waived accident back in play which would show 2 accidents and your rates sky-rocket. so that being said the second accident was a 50/50 fault accident. when talking to insurance company i asked to let me know damages and if it was not too expensive i would like to pay for it. they did not contact me and put it through insurance. now my rates have increased over 70%. Can i go to the insurance company and offer to reimburse the insurance company for what they paid out and have that accident removed off my records. the pay out that they spent was very minimal and I had to find this out through another insurance company.

Answer
Hello,

I am going to assume you are in Ontario because you have a choice of companies. It gets worse in other areas like Mantitoba and BC where there is no competition and the insurance companies are a government run monopoly.

I do not know the answer to this questions, but you comments are very interesting. I will research this a bit for you. My private email is robo14@aol.com.