What happens if I have a special circumstance that has negatively impacted my credit history?
If your credit history has been impacted by an extraordinary life event such as a medical crisis, temporary loss of employment, divorce, the death of a spouse or a household member, identity theft, military deployment overseas, or a catastrophic event, we will take the special circumstance into consideration so it does not negatively impact your rate. We may require you to provide documentation of the special circumstance.
The above is from Geico but I called my insurance company and explained about my horrible divorce and custody battle and they waived the rating penalty saving me over $ 300 per year. For others it could be a much bigger savings.
Check it out.