Law Offices of Frank M. Nunes, Inc. | Frank M. Nunes
While insurance companies have different criteria for determining their rates, most will not raise your rates when the accident was not the fault of their insured driver. If you have concerns, ask your insurance agent or company for a Letter of Experience or other documentation with the insurance company's determination of fault for the accident. That letter should explain the process you can go through to contest the determination of liability if it is against you.
Answer Applies to: California
Law Offices of Ronald A. Steinberg & Associates | Ronald A. Steinberg, BA, MA, JD
Under current Michigan law, you cannot be singled out for a rise in insurance rates for merely reporting a claim. If your rates go up, it is because everyone's rates are going up. Now, if you have a crummy driving record, or if you have DUI's, reckless driving, and bad things like that, then your rates will go up, just based upon your driving record.
Answer Applies to: Michigan
Rita Skuratovsky | Rita Skuratovsky
Your insurance rates *do not* automatically go up just because you are involved in an accident. If you are found at fault for the accident then they may go up. Otherwise you shouldn't be worried. Make a police report and a claim with your insurance company ASAP and call an attorney if your are injured.
Answer Applies to: California
Mishkind Law Firm, Co., L.P.A. | Howard Mishkind
Normally if you were not at fault your insurance should not go up. The department of insurance in Columbus polices insurance companies in terms of when they can and can't increase rates so you might want to call and speak with them to be certain.
Answer Applies to: Ohio
Robinette Legal Group, PLLC | Jeffery Robinette
In West Virginia, you will pay a $300 deductible when you have your car repaired, but since the claim will be against your uninsured motorist policy, your insurance should not go up because you were not at fault.
Answer Applies to: West Virginia
Shaw Law Firm | Steven L. Shaw
It depends on whether your insurance company believes you or not. Someone with witnesses or other evidence of the hit and run, is going to be believed over some who does not. Reporting immediately following the collision also helps. Wait too long, and you risk not being believed.
Answer Applies to: Washington
Law Offices of David W. Hibbert | David W. Hibbert
Under the laws and regulations of the State ogf Georgia , an insurance company may not raise your rates when a non-chargeable collision occurs. It's not your fault, then rate should not be affected. However, some companies may play a game with the "accident free discount" , your rate is the same but your "discount" goes away.
Answer Applies to: Georgia
Burnett Evans Banks | Paul Evans
The answer depends upon your insurance company's policies. Each insurer sets their own guidelines for their rates. It also depends upon the length of time you have been with that insurance company, and your driving history. For instance, your rates are less likely to go up if you are a long-standing customer with a great driving history and this accident was a fluke that was clearly not your fault. On the other hand, if you have a short history with the company, or a marginal driving record, or have had several other claims for accidents, then your rates likely will go up even though this accident was not your fault, because you may appear to be a bad claims risk. Good Luck.
Answer Applies to: Missouri
Blackburn Law, PC | Stephen E. Blackburn
Insurance is all about risk. Although the accident was not your fault, that fact that you were involved in a hit-and-run accident (or any other type for that matter) may be enough for the insurance company to increase your premiums.
Answer Applies to: Idaho
The Lucky Law Firm, PLC | Robert Morrison Lucky
Typically, your insurance can only increase if you were at-fault for the accident at issue. Hopefully, a police report was filed and there is evidence that you were the victim of a hit-and-run. Please contact my office to discuss your situation further. You may have coverages that will further protect you and your passengers if anyone happened to be injured.
Answer Applies to: Louisiana