{"id":205,"date":"2024-11-15T04:13:30","date_gmt":"2024-11-15T04:13:30","guid":{"rendered":"https:\/\/www.way.com\/ask\/?p=205"},"modified":"2025-08-26T05:39:21","modified_gmt":"2025-08-26T05:39:21","slug":"will-a-hit-and-run-claim-raise-my-insurance","status":"publish","type":"post","link":"https:\/\/www.way.com\/ask\/will-a-hit-and-run-claim-raise-my-insurance\/","title":{"rendered":"Will a hit-and-run claim raise my insurance?"},"content":{"rendered":"

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.<\/p>\n

Whether a hit-and-run claim raises your insurance often depends on your insurer and your policy specifics.<\/p>\n

\"Will
Image Courtesy from fxquadro on Freepik<\/a><\/figcaption><\/figure>\n

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.<\/p>\n

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.<\/p>\n","protected":false},"excerpt":{"rendered":"

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… Continue reading Will a hit-and-run claim raise my insurance?<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2],"tags":[],"class_list":["post-205","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","entry"],"acf":[],"yoast_head":"\nWill a hit-and-run claim raise my insurance?<\/title>\n<meta name=\"description\" content=\"A hit-and-run claim can make your insurance cost more, but it depends on a few factors. Read to find the details!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.way.com\/ask\/will-a-hit-and-run-claim-raise-my-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Will a hit-and-run claim raise my insurance?\" \/>\n<meta property=\"og:description\" content=\"A hit-and-run claim can make your insurance cost more, but it depends on a few factors. Read to find the details!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.way.com\/ask\/will-a-hit-and-run-claim-raise-my-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"ask\" \/>\n<meta property=\"article:published_time\" content=\"2024-11-15T04:13:30+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-26T05:39:21+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.way.com\/ask\/wp-content\/uploads\/2024\/11\/image-auto-accident-involving-two-cars-min.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"5472\" \/>\n\t<meta property=\"og:image:height\" content=\"3648\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Javier Silvestre\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Javier Silvestre\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.way.com\\\/ask\\\/will-a-hit-and-run-claim-raise-my-insurance\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.way.com\\\/ask\\\/will-a-hit-and-run-claim-raise-my-insurance\\\/\"},\"author\":{\"name\":\"Javier Silvestre\",\"@id\":\"https:\\\/\\\/www.way.com\\\/ask\\\/#\\\/schema\\\/person\\\/d72587dc6b17b95c2628a22a5ff68c52\"},\"headline\":\"Will a hit-and-run claim raise my insurance?\",\"datePublished\":\"2024-11-15T04:13:30+00:00\",\"dateModified\":\"2025-08-26T05:39:21+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.way.com\\\/ask\\\/will-a-hit-and-run-claim-raise-my-insurance\\\/\"},\"wordCount\":188,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.way.com\\\/ask\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.way.com\\\/ask\\\/will-a-hit-and-run-claim-raise-my-insurance\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.way.com\\\/ask\\\/wp-content\\\/uploads\\\/2024\\\/11\\\/image-auto-accident-involving-two-cars-min.jpg\",\"articleSection\":[\"Auto Insurance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.way.com\\\/ask\\\/will-a-hit-and-run-claim-raise-my-insurance\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.way.com\\\/ask\\\/will-a-hit-and-run-claim-raise-my-insurance\\\/\",\"url\":\"https:\\\/\\\/www.way.com\\\/ask\\\/will-a-hit-and-run-claim-raise-my-insurance\\\/\",\"name\":\"Will a hit-and-run claim raise my insurance?\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.way.com\\\/ask\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.way.com\\\/ask\\\/will-a-hit-and-run-claim-raise-my-insurance\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.way.com\\\/ask\\\/will-a-hit-and-run-claim-raise-my-insurance\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.way.com\\\/ask\\\/wp-content\\\/uploads\\\/2024\\\/11\\\/image-auto-accident-involving-two-cars-min.jpg\",\"datePublished\":\"2024-11-15T04:13:30+00:00\",\"dateModified\":\"2025-08-26T05:39:21+00:00\",\"description\":\"A hit-and-run claim can make your insurance cost more, but it depends on a few factors. Read to find the details!\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.way.com\\\/ask\\\/will-a-hit-and-run-claim-raise-my-insurance\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.way.com\\\/ask\\\/will-a-hit-and-run-claim-raise-my-insurance\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.way.com\\\/ask\\\/will-a-hit-and-run-claim-raise-my-insurance\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.way.com\\\/ask\\\/wp-content\\\/uploads\\\/2024\\\/11\\\/image-auto-accident-involving-two-cars-min.jpg\",\"contentUrl\":\"https:\\\/\\\/www.way.com\\\/ask\\\/wp-content\\\/uploads\\\/2024\\\/11\\\/image-auto-accident-involving-two-cars-min.jpg\",\"width\":5472,\"height\":3648},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.way.com\\\/ask\\\/will-a-hit-and-run-claim-raise-my-insurance\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.way.com\\\/ask\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Will a hit-and-run claim raise my insurance?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.way.com\\\/ask\\\/#website\",\"url\":\"https:\\\/\\\/www.way.com\\\/ask\\\/\",\"name\":\"ask\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.way.com\\\/ask\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.way.com\\\/ask\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.way.com\\\/ask\\\/#organization\",\"name\":\"ask\",\"url\":\"https:\\\/\\\/www.way.com\\\/ask\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.way.com\\\/ask\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.way.com\\\/ask\\\/wp-content\\\/uploads\\\/2024\\\/11\\\/logo-text.png\",\"contentUrl\":\"https:\\\/\\\/www.way.com\\\/ask\\\/wp-content\\\/uploads\\\/2024\\\/11\\\/logo-text.png\",\"width\":96,\"height\":37,\"caption\":\"ask\"},\"image\":{\"@id\":\"https:\\\/\\\/www.way.com\\\/ask\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.way.com\\\/ask\\\/#\\\/schema\\\/person\\\/d72587dc6b17b95c2628a22a5ff68c52\",\"name\":\"Javier Silvestre\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/e74c403414acfc5b58a10ebad304f381df7625c387aadcbd3a272c612953e8d5?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/e74c403414acfc5b58a10ebad304f381df7625c387aadcbd3a272c612953e8d5?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/e74c403414acfc5b58a10ebad304f381df7625c387aadcbd3a272c612953e8d5?s=96&d=mm&r=g\",\"caption\":\"Javier Silvestre\"},\"url\":\"https:\\\/\\\/www.way.com\\\/ask\\\/author\\\/javier-silvestre\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Will a hit-and-run claim raise my insurance?","description":"A hit-and-run claim can make your insurance cost more, but it depends on a few factors. Read to find the details!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.way.com\/ask\/will-a-hit-and-run-claim-raise-my-insurance\/","og_locale":"en_US","og_type":"article","og_title":"Will a hit-and-run claim raise my insurance?","og_description":"A hit-and-run claim can make your insurance cost more, but it depends on a few factors. Read to find the details!","og_url":"https:\/\/www.way.com\/ask\/will-a-hit-and-run-claim-raise-my-insurance\/","og_site_name":"ask","article_published_time":"2024-11-15T04:13:30+00:00","article_modified_time":"2025-08-26T05:39:21+00:00","og_image":[{"width":5472,"height":3648,"url":"https:\/\/www.way.com\/ask\/wp-content\/uploads\/2024\/11\/image-auto-accident-involving-two-cars-min.jpg","type":"image\/jpeg"}],"author":"Javier Silvestre","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Javier Silvestre","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.way.com\/ask\/will-a-hit-and-run-claim-raise-my-insurance\/#article","isPartOf":{"@id":"https:\/\/www.way.com\/ask\/will-a-hit-and-run-claim-raise-my-insurance\/"},"author":{"name":"Javier Silvestre","@id":"https:\/\/www.way.com\/ask\/#\/schema\/person\/d72587dc6b17b95c2628a22a5ff68c52"},"headline":"Will a hit-and-run claim raise my insurance?","datePublished":"2024-11-15T04:13:30+00:00","dateModified":"2025-08-26T05:39:21+00:00","mainEntityOfPage":{"@id":"https:\/\/www.way.com\/ask\/will-a-hit-and-run-claim-raise-my-insurance\/"},"wordCount":188,"commentCount":0,"publisher":{"@id":"https:\/\/www.way.com\/ask\/#organization"},"image":{"@id":"https:\/\/www.way.com\/ask\/will-a-hit-and-run-claim-raise-my-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/www.way.com\/ask\/wp-content\/uploads\/2024\/11\/image-auto-accident-involving-two-cars-min.jpg","articleSection":["Auto Insurance"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.way.com\/ask\/will-a-hit-and-run-claim-raise-my-insurance\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.way.com\/ask\/will-a-hit-and-run-claim-raise-my-insurance\/","url":"https:\/\/www.way.com\/ask\/will-a-hit-and-run-claim-raise-my-insurance\/","name":"Will a hit-and-run claim raise my insurance?","isPartOf":{"@id":"https:\/\/www.way.com\/ask\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.way.com\/ask\/will-a-hit-and-run-claim-raise-my-insurance\/#primaryimage"},"image":{"@id":"https:\/\/www.way.com\/ask\/will-a-hit-and-run-claim-raise-my-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/www.way.com\/ask\/wp-content\/uploads\/2024\/11\/image-auto-accident-involving-two-cars-min.jpg","datePublished":"2024-11-15T04:13:30+00:00","dateModified":"2025-08-26T05:39:21+00:00","description":"A hit-and-run claim can make your insurance cost more, but it depends on a few factors. Read to find the details!","breadcrumb":{"@id":"https:\/\/www.way.com\/ask\/will-a-hit-and-run-claim-raise-my-insurance\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.way.com\/ask\/will-a-hit-and-run-claim-raise-my-insurance\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.way.com\/ask\/will-a-hit-and-run-claim-raise-my-insurance\/#primaryimage","url":"https:\/\/www.way.com\/ask\/wp-content\/uploads\/2024\/11\/image-auto-accident-involving-two-cars-min.jpg","contentUrl":"https:\/\/www.way.com\/ask\/wp-content\/uploads\/2024\/11\/image-auto-accident-involving-two-cars-min.jpg","width":5472,"height":3648},{"@type":"BreadcrumbList","@id":"https:\/\/www.way.com\/ask\/will-a-hit-and-run-claim-raise-my-insurance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.way.com\/ask\/"},{"@type":"ListItem","position":2,"name":"Will a hit-and-run claim raise my insurance?"}]},{"@type":"WebSite","@id":"https:\/\/www.way.com\/ask\/#website","url":"https:\/\/www.way.com\/ask\/","name":"ask","description":"","publisher":{"@id":"https:\/\/www.way.com\/ask\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.way.com\/ask\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.way.com\/ask\/#organization","name":"ask","url":"https:\/\/www.way.com\/ask\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.way.com\/ask\/#\/schema\/logo\/image\/","url":"https:\/\/www.way.com\/ask\/wp-content\/uploads\/2024\/11\/logo-text.png","contentUrl":"https:\/\/www.way.com\/ask\/wp-content\/uploads\/2024\/11\/logo-text.png","width":96,"height":37,"caption":"ask"},"image":{"@id":"https:\/\/www.way.com\/ask\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.way.com\/ask\/#\/schema\/person\/d72587dc6b17b95c2628a22a5ff68c52","name":"Javier Silvestre","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/e74c403414acfc5b58a10ebad304f381df7625c387aadcbd3a272c612953e8d5?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e74c403414acfc5b58a10ebad304f381df7625c387aadcbd3a272c612953e8d5?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/e74c403414acfc5b58a10ebad304f381df7625c387aadcbd3a272c612953e8d5?s=96&d=mm&r=g","caption":"Javier Silvestre"},"url":"https:\/\/www.way.com\/ask\/author\/javier-silvestre\/"}]}},"_links":{"self":[{"href":"https:\/\/www.way.com\/ask\/wp-json\/wp\/v2\/posts\/205","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.way.com\/ask\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.way.com\/ask\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.way.com\/ask\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.way.com\/ask\/wp-json\/wp\/v2\/comments?post=205"}],"version-history":[{"count":8,"href":"https:\/\/www.way.com\/ask\/wp-json\/wp\/v2\/posts\/205\/revisions"}],"predecessor-version":[{"id":958,"href":"https:\/\/www.way.com\/ask\/wp-json\/wp\/v2\/posts\/205\/revisions\/958"}],"wp:attachment":[{"href":"https:\/\/www.way.com\/ask\/wp-json\/wp\/v2\/media?parent=205"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.way.com\/ask\/wp-json\/wp\/v2\/categories?post=205"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.way.com\/ask\/wp-json\/wp\/v2\/tags?post=205"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}