Question

Will a hit-and-run claim raise my insurance?

A hit-and-run claim can make your insurance cost more, but it depends on a few factors.

If you file a claim for a hit-and-run accident, your insurer might raise your rate. This is because they could view you as a higher-risk customer. However, rate increases aren’t guaranteed every time you file a claim.

Whether a hit-and-run claim raises your insurance often depends on your insurer and your policy specifics.

Many insurance companies offer some leniency if the accident wasn’t your fault. This is especially true if you have coverage like uninsured motorist insurance. If you have a waiver for hit-and-run accidents in your policy your rates will not go up. Additionally, if you’re involved in a situation where someone else hits you, your insurance rates typically won’t go up, as you aren’t considered at fault.

So, “Will a hit-and-run claim raise my insurance?” It might, but policies vary, so check your plan’s specifics. And if you’re wondering, “Does my insurance go up if someone hits me?” The answer is usually no because insurers generally only penalize drivers for accidents where they are the cause.