Hello, unfortunately I couldn’t find anything suitable. I need help because I don’t know what I should do myself. To the point: There were two tracks, I drove left lane, my opponent right lane. Suddenly my opponent wants to change track and it can get to accident. While we are waiting for police, opponents asked me for cell phone so he/she could call. Had given my phone. Then the police came and asked for driver’s license. My opponent had no driver’s license My car was totally damaged, had received damages from opposing insurance. One might think that everything is already over. But the story goes on: After about 2 months comes from my old insurance questionnaire, had felt it and sent it back. After 1.5 months comes from my new car cover a letter, where it says: Because of car accident my contribution rate would be upgraded from 55%(2 year) to 75%. Call my new insurance to get to They had told me that the pre-insurer has reported a car accident. Call my old car insurance company, which tells me that my opponent wants to get money because of car accident. Had asked you already paid him, because I was not responsible for the car accident? Answer: No, but you have to wait 3 years until you are regraded. My question to the people: Do I really have to wait 3 years now? What should I do? After 3 years I will really And my contribution rate will be reduced to less than 55%, because until then 3 years will pass without damage? Or would I just be fucked, because after 3 years I should even get the money paid back? How can one check after 3 years whether the money would be paid, because they can then claim that the money was paid. Thank you!