Will my car insurance premium increase if I was the victim of a hit and run and report a claim?

1 Dec 2012

My car was hit in my apartment building parking lot and the driver took off, leaving me to pay for the damages. The damage is significant – large dent in front passenger door and chipping paint. If the costs end up being higher than my deductible and I report the accident, will my car insurance cost increase as a result? I’m wondering if it helps that the accident wasn’t my fault and that it was a hit and run. Any information is appreciated!

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3 Responses to Will my car insurance premium increase if I was the victim of a hit and run and report a claim?

David

December 1st, 2012 at 8:36 am

Since there’s no way you could be considered at fault in that scenario, your premium should not increase.

Entidtil

December 1st, 2012 at 8:45 am

Do the math. If you want your car repaired, you have 2 choices. You can pay it out of pocket or you can have your insurance pay for it. If the cost to repair is say, $4500.00 and your deductible is $500. and they raise your rates say, $50.00 a year for 3 years, what would someone with half a brain do?

Ol' '55

December 1st, 2012 at 9:04 am

It probably will, but maybe not. Still, in your case you should get it fixed.

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Will my car insurance premium increase if I was the victim of a hit and run and report a claim?

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