Your problem may just be your insurability with the company. After your non- accident/incedent the insurance company still probably had to pay out a claim which means you may be a higher cost to the company. It may not be personal but just business from the DO's perspective. Don't burn your bridges, but if you get another job offer that offers you an opportunity for growth it may benefit you to take it. Don't use another offer as leverage as it will taint your current employment relationship, if you can find a better position leave, if not stay.