My friend noted that he got a "refusal to renew" from his insurance company and it listed the reasons as being citations and claims. The information is provided to the insurance companies via LexisNexis and you can obtain a report of what they have by going to www.consumerdisclosure.com. You are entitled to a free report. This is the first step in challenging but frankly given the maturity of this system, I am skeptical of success at this and timing being favorable.
Lessons learned: Don't file minor claims..... they are listed as "at fault", and
always retain a lawyer to get your points knocked off no matter the violation. There is a violation for a stop sign back in Jan 2012 where "friend" passed through a very depressed steel town in Western PA and clearly they were looking for revenue and a speed violation not addressed with a lawyer because it was just a "notch" over the limit so no big deal. Stupid.
Another old friend who is in the insurance industry noted that whatever happens, re-shop the new policy each 6 months because as these incidents drop off, the trigger for assigned risk may drop off also.
The current insurer quoted an assigned risk policy of over $6,500 for six months of coverage and because homeowners is no longer linked, home insurance is going up over $1,000 also. This clearly is a "go away" price.
Peace
Bruce in Philly