October 3rd, 2019, all was calm for Jac-Lynn Zohfeld, until a sudden wind gust blew her car door wide open, slamming into the vehicle next to her.
"My car door had made a slight ding in her vehicle and there was a streak of red paint from my vehicle." says Zohfeld
The two owners exchanging information at that point, Zohfeld says she knew it was the right thing to do.
"Now I know there's a lot of people that would have just pulled away and not notified her, but I just couldn't with my value system in place. I just couldn't do that."
Her insurance company, State Farm covered all the damages for both vehicles. It wasn't until six months later, when Zohfeld says she felt the real effects of this accident.
"I received my bill and my insurance had gone up 15% and they said, oh, you had a collision claim on your car. I just assumed since I had full coverage on my car, myself fault that they would cover something like that."
According to State Farm's website, damaged caused by wind, does fall under comprehensive coverage, within certain parameters.
"I was told that in order for it to be in a comprehensive claim, there had to have been 30 mile an hour sustained winds."
Jac-Lynn would also have to prove there was wind damage done in the area. After checking with the Heart of Illinois ABC Storm Team, we found out the highest wind gust that day, 25.3 miles per hour. Not enough to keep rates from going up.
"I'm on a fixed income. I'm a senior. I'm a widow, and there's just not room in my budget for an increase in anything."
She says at this point, she's running on empty in terms of options.
"I have tried to find other automobile insurance and no one will give me a decent rate. Most of them are higher than my currently higher rate."
Now stuck for three years, she's forced to pay the increase, as the saying goes, "Like A Good Neighbor."