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if person got "hit n run" will that person's insurance fees increase?

L

LOUISSSSS

Diamond Member
lets say Joe gets hit on a busy intersection and the other driver runs. If Joe were to call and report the incident to his insurance company, what are his chances that his insurance prices will increase?

or is this different for every insurance company and nobody will be give me a straight answer?
 
Originally posted by: LTC8K6
Was it a GM car?
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Nah, GM cars are so lousy they'd crumple into a ball of tin foil and have an oil fire in the engine compartment if they hit somebody. 😉

Anyways, the question depends on your state and your insurance. My bet would be if you're planning on trying to collect anything from your insurance you should expect that your rates might change. Though I'm sure that there are plenty of insurance plans that wouldn't pay a dime because it wasn't while you were behind the wheel at the time.
 
Depends on the state (some states are "no fault", which means your insurance pays out damages for your vehicle regardless of who is at fault), the insurance company, the specific coverage that you have, and your claims history.

Typically, hit-and-run accidents are covered by your uninsured/underinsured motorist coverage, so if you have waived uninsured motorist coverage, you may not be covered at all in a hit-and-run scenario.

In general, you should not see your premiums increase from claiming a hit-and-run accident unless you have a history of similar claims. If you have a long claims history, even if none were deemed to be your fault, you may be placed in a higher risk group because of a tendency to be in the wrong place at the wrong time.

That's as straight an answer as anyone can give.

ZV
 
It's possible. My mom only had one accident in her 30+ years of driving (and it was the other guy's fault 100%). Then one year she had three - two happened while she was parked and not even in the car, and the other happened when she was rear-ended while stopped at a light. They canceled her altogether.

State Farm will NEVER get any business from me after that.
 
Not sure. I thought I'd at least get stuck with the deductible so I never reported the hit n run on my car in the parking lot. Now I wonder if I should have, the creased quarter really bugs me.
 
Originally posted by: Zenmervolt
Depends on the state (some states are "no fault", which means your insurance pays out damages for your vehicle regardless of who is at fault), the insurance company, the specific coverage that you have, and your claims history.

Typically, hit-and-run accidents are covered by your uninsured/underinsured motorist coverage, so if you have waived uninsured motorist coverage, you may not be covered at all in a hit-and-run scenario.

In general, you should not see your premiums increase from claiming a hit-and-run accident unless you have a history of similar claims. If you have a long claims history, even if none were deemed to be your fault, you may be placed in a higher risk group because of a tendency to be in the wrong place at the wrong time.

That's as straight an answer as anyone can give.

ZV
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ZV answered it, but it mainly depends on your state and insurer.
 
I had a college friend who got rear-ended by a representative of his own insurance company (State Farm), and even though the accident wasn't his fault, State Farm raised his insurance premium. LOL.
 
Originally posted by: LOUISSSSS
lets say Joe gets hit on a busy intersection and the other driver runs. If Joe were to call and report the incident to his insurance company, what are his chances that his insurance prices will increase?

or is this different for every insurance company and nobody will be give me a straight answer?
Click to expand...

Do you have pictures of the damage done to your car?
 
Depends on the insurance and the state. In MN, it is considered a "comprehensive" claim so it therefore doesn't raise your rates directly, but could potentially raise the cost of your insurance "pool". Basically, if enough comprehensive claims are put through (hail damage, hit-n-run, flood, etc) the overall rates of the insurance pool would increase.
 
Originally posted by: AdamK47
Originally posted by: LOUISSSSS
lets say Joe gets hit on a busy intersection and the other driver runs. If Joe were to call and report the incident to his insurance company, what are his chances that his insurance prices will increase?

or is this different for every insurance company and nobody will be give me a straight answer?
Click to expand...

Do you have pictures of the damage done to your car?
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nope, didn't get hit.
 
Originally posted by: Zenmervolt
Depends on the state (some states are "no fault", which means your insurance pays out damages for your vehicle regardless of who is at fault), the insurance company, the specific coverage that you have, and your claims history.

Typically, hit-and-run accidents are covered by your uninsured/underinsured motorist coverage, so if you have waived uninsured motorist coverage, you may not be covered at all in a hit-and-run scenario.

In general, you should not see your premiums increase from claiming a hit-and-run accident unless you have a history of similar claims. If you have a long claims history, even if none were deemed to be your fault, you may be placed in a higher risk group because of a tendency to be in the wrong place at the wrong time.

That's as straight an answer as anyone can give.

ZV
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Underinsured/uninsured covers personal injury only. Unless you have comprehensive, you are SOL in a hit and run situation (well you can get an itemized deduction out of your loss, big deal).

I have no idea whether it will affect your rates to make a claim.

 
Originally posted by: PlasmaBomb
So what aren't you telling us louissss?
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oh shit sorry i forgot to say i was hit by some idiot driving a chevy. then he ran away and hit another car 2 blocks down cuz he ran a red.
 
Originally posted by: Thump553
Originally posted by: Zenmervolt
Depends on the state (some states are "no fault", which means your insurance pays out damages for your vehicle regardless of who is at fault), the insurance company, the specific coverage that you have, and your claims history.

Typically, hit-and-run accidents are covered by your uninsured/underinsured motorist coverage, so if you have waived uninsured motorist coverage, you may not be covered at all in a hit-and-run scenario.

In general, you should not see your premiums increase from claiming a hit-and-run accident unless you have a history of similar claims. If you have a long claims history, even if none were deemed to be your fault, you may be placed in a higher risk group because of a tendency to be in the wrong place at the wrong time.

That's as straight an answer as anyone can give.

ZV
Click to expand...

Underinsured/uninsured covers personal injury only. Unless you have comprehensive, you are SOL in a hit and run situation (well you can get an itemized deduction out of your loss, big deal).

I have no idea whether it will affect your rates to make a claim.
Click to expand...

I think maybe you meant collision. Comp usually only applies to damage not caused by other vehicles. IE acts of storms, animals(deer hits).
the uninsured/underinsured is shot for uninsured bodily damage liability/underinsured bodily damage liability.(human body not car body)
Speaking from Wisconsin, your insurance may vary depending on the state.

I was the victim of a hit and run early on in my driving and found out right away that without full coverage you are out of luck in hit-and-run incidents.
 
I was rear-ended about a month ago. The fucker ran (I hate him so bad) and after I called the cops with the plates, they notified me the car had been stolen. Yuck.

I had to report it to my insurance because the car is German and less than six months old, so I wanted it repaired. 🙁 I have full coverage, and underinsured/uninsured motorist. My insurance told me that ordinarily it would fall under my full coverage, but the initial damage report was less than my deductible, but because I have uninsured/underinsured motorist, I did not have to pay anything out of pocket.

They claim it will not increase my rates, and the "assignment of blame" letter they sent me said I was not to blame. I can report again in June when my renewal comes up.
 
Well, my renewal just showed up, and the overall policy cost went down by $30 for our two cars. Not a crazy amount, but at least they didn't increase it.
 
Didn't when it happened to me, years ago. They processed it as a comprehensive claim (versus collision), since it was a H&R, but it really was covered under my uninsured motorist portion of the insurance. Didn't bother me any, since my deductibles at that time were $250 for collision, but only $100 for comprehensive. 🙂
 
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