I was under the impression that I had FULL coverage...well, I had an accident, when the rains came down in December. I was exiting off the 22fry, NOT speeding, no one in front of me and no one behind. The exit has a "candy cane" curve to it, as soon as i went to curve my stearing wheel with the curve itself, all of the sudden I had no controll of my vehicle. my tires hydroplained and sent me spinning. I did a couple of 360's and finally hit the side rail of the off ramp with my passenger side taking the brunt of the impact, and landing facing the opposite direction. On Impact I did hit my head on the windshield-drivers window, and was bumped around. Come to find out that I can't even go to my Dr.'s to get checked out because I was NOT aware I needed..."MED-PAY"??? What the HELL is THAT! I've always carried FULL coverage, NEVER ever was I denied medical care. That little "rule" or clause or whatever you want to call it, was NEVER disclosed to me in ANY WAY - SHAPE or FORM! I do have some back issues that are congenital and progressive in it's degeneration as I age.
So, currently I'm a nursing student, and don't have any private insurance coverage at thjis time. So I know for a fact if that issue was mentioned about having extra coverage for medical expenses I may have...Iwould have ADDED it. I was mislead and now I have some Dr' bills that I cannot pay. Then I received your paperwork for my "renewal" and my insurance premium went up $55.00 a month!!! So I call and speak to this absolute A_ S, who was so RUDE and could care -a-less that I had "concerns" about my policy. He continued to tell me that after a "certain" amount of money/damage payed out, that it's automatically DEEMED MY fault! That is the MOST rediculous thing I have heard! How can it be my fault when mother nature was in controll?? How?? There was nothing wrong with my Tires, OR was there a visible "water puddle" to DODGE! I haven't been in an accident that was my fault EVER, in my 30yrs behind the wheel. This increase in rate is so wrong AND outrageous, and I will not stop untill someone takes another look into this unjustice from My insurance Co., that I pay EVERY month and have for years!!! Who can I turn too?? I feel like I'm fighting City Hall or something. There needs to be some sort of
explanation as to why I'm "at fault" and why my premiums are now too expensive for me to keep with the insurance coverage I have/had.

Sincerely, Karen S.