Hey guys, I got a question for you. My car was involved in a hit and run and was wondering will my insurance go up if I claim it?

 

Who did the hitting and who did the running?

 

If somebody hit you and ran, then your rates shouldn't go up. At least that's what my insurance agent told me. And a couple of people I know got involved in hit and runs, they both claimed and their rates have not gone up.

 

I dunno?? It was in a store parking lot and when I came out it had been de-virginized....

 

That's one where anyone could say that (not that you would say it if it weren't true). Would fall under collision and it should make your rates go up. The rule is if you can avoid it, don't claim it. If it's $600 in damage and your deductible is $500, just pay it out of pocket.

 

What about if the victim was able to get the hit and run vehicles license plate and description of the car? Would that help?

 

Depends on what state you are in....some states have the No Fault law, where it does not matter who was at fault, you both have to pay.

 

I don't know how it works for a no-fault state, but in Ohio we have Uninsured/Underinsured coverage. My understanding is that medical bills from a hit-skip are covered as a nonchargeable claim regardless if they find the driver. Damage to your vehicle is covered as a nonchargable accident *if* you get the license plate of the offending vehicle and can make the case that he damaged your car.

You need to speak with your insurance agent - your rates will not go up if you don't make a claim, so it can't hurt to ask.

 

depends on what insurance pool you are in..

i am in a pool of risk drivers.. so no matter what happends.. if its my fault.. or not.. my insurance goes up..

 

Racial Profiling.....I mean Driver Profiling.

Dude...that sucks.

 

nah it doesn't really suck.. its mainly my fault.. actually its all my fault... accidents and speeding tickets will do that to you...

 

I hear ya.

 

thats pretty ghey. id be ****ed if someone hit my car and it was their fault and mine went up. wait a minute, that actually might be me now.oh fack...

 

thanks... not that you know me or my opinion matters, but this might be the single most adult thing I've ever read here.