I am now starting to afraid........

Corrected version: "Dial Direct Insurance has disappointed me once again. Year after year, they continue to raise my premiums. This time, they cited inflation as the second reason, with the first being an accident claim I made in February. However, the damage was minor, and I covered the expenses myself, even though they had raised my deductible. When I questioned the lady on the phone about this, she mentioned inflation as the reason, which seemed quite puzzling. How can inflation lead to a 39% increase in my premium?"