Allstate Indemnity Company Used my credit report against me to raise my rates by over 100% after a minor accident Northbrook Illinois

If you have only been insured with them for 18 months you are not in INDEMNITY.
I have been with Allstate since my relocation to Texas in 1990. Allstate stopped accepting clients into the Indemnity in 1995. Its just the regular policy's.

I got a ticket and they raised my rates by 10.00 a month, and Indemnity is the cheapest policy programs. Yes, they do sometimes check a credit report but the key to that is get it twice a year and yell your head off if something is wrong. I am currently working on getting hospital bills off my report that belong to another person of the same name.

No I don't feel its legal to use financial misfortunes against people either but about 95% of the population makes stupid financial decisions like having kids they don't need, buying an overpriced house, not shopping wisely for expensive clothes to make sure you are getting what you want on the cheap, and buying overpriced Japanese cars, etc, etc, etc!!

Insurance companies use credit ratings now to determine rates. They look at it as if you are not responsible with your money, you will not be responsible with the other aspects of your life. an insurance company has every right to review your driving record, credit history, etc anytime they want to to determine if your ates should be raised. If you become more of a risk to them, of course they are going to charge you more money. You had an accident which caused them to have to pay out money, and 18 months is not really a long time to be with a company to expect them to forgive the accident.