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Insurers raise rates after crashes — even if driver not to blame, study finds

Insurers raise rates after crashes — even if driver not to blame, study finds

Drivers who get rear-ended in Chicago and other major cities are also likely to get hit with rate increases from their insurance companies — even when they are not at fault.

A study released Monday by the Consumer Federation of America found premiums can rise by hundreds of dollars per year for drivers involved in crashes that are not their fault, with Chicago customers facing average increases of 10 percent or more.

"Insurance companies are penalizing people who have done nothing wrong," said Doug Heller, who conducted the research for the federation, a Washington-based nonprofit consumer watchdog. "If you're unlucky enough to have been rear-ended while at a...

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