Will my insurance go up if I was involved in a hit and run accident? 46 Answers as of June 22, 2012

i was involved in a hit and run i was the victim the other driver fled the scene does my insurance go up?

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Salladay Law Office | Lance Salladay
That really depends on the insurance companies internal policies- the fact that it was not your fault should say no your premium should not go up, but different insurance companies do things differently.
Answer Applies to: Idaho
Replied: 6/22/2012
John Russo | John Russo
Yes, if you get caught, you can make book on it going way up.
Answer Applies to: Rhode Island
Replied: 6/18/2012
Evan Guthrie Law Firm
Evan Guthrie Law Firm | Evan Guthrie
If you were the victim of a hit and run then your insurance rates should not go up. It may happen though although it should not. Talk to your insurance company to verify this.
Answer Applies to: South Carolina
Replied: 6/18/2012
Darrell B. Reynolds, P.C. | Darrell B. Reynolds
It would depend on the terms and conditions of your insurance policy.
Answer Applies to: Georgia
Replied: 6/15/2012
James M. Osak, P.C.
James M. Osak, P.C. | James M. Osak
Your insurance ALWAYS GOES UP . . . no matter your fault or not. Insurance companies look for ways to increase your auto premiums.
Answer Applies to: Michigan
Replied: 6/15/2012
    Alvin Lundgren | Alvin Lundgren
    Your insurance should not go up if you were not at fault.
    Answer Applies to: Utah
    Replied: 6/14/2012
    Law Office of Jared Altman
    Law Office of Jared Altman | Jared Altman
    It depends if they consider you at fault or not.
    Answer Applies to: New York
    Replied: 6/14/2012
    Law Offices of Frank M. Nunes, Inc.
    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
    Replied: 6/13/2012
    Ezim Law Firm | Dean Esposito
    You should ask your insurance agent if your rates will increase for filing a claim.
    Answer Applies to: Louisiana
    Replied: 6/13/2012
    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
    Replied: 6/13/2012
    Douglas Johnson, PA | Douglas Johnson, Esq.
    Unfortunately, the insurance industry has everyone convinced that there premiums will increase for making a claim. Your insurance premiums should only go up if you were responsible or caused the accident.
    Answer Applies to: Florida
    Replied: 6/13/2012
    Paris Blank LLP
    Paris Blank LLP | Irving M Blank
    Your insurance should not go up, but you have a claim if you were injured. You should talk to a personal injury attorney.
    Answer Applies to: Virginia
    Replied: 6/13/2012
    DEAN T. JENNINGS, P.C.
    DEAN T. JENNINGS, P.C. | Dean T Jennings
    It was not your fault they should not raise your premium for a non-chargeable collision.
    Answer Applies to: Iowa
    Replied: 6/13/2012
    The Law Office of Stephen R. Chesley, LLC
    The Law Office of Stephen R. Chesley, LLC | Stephen R. Chesley
    No your insurance should not be affected because you were not at fault for incident. You should contact an attorney to discuss your matter further.
    Answer Applies to: New York
    Replied: 6/13/2012
    Rita Skuratovsky
    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
    Replied: 6/13/2012
    Law Office of Mark J. Leonardo
    Law Office of Mark J. Leonardo | Mark Leonardo
    It's not supposed to if you are not at fault.
    Answer Applies to: California
    Replied: 6/13/2012
    Adler Law Group, LLC
    Adler Law Group, LLC | Lawrence Adler
    That is an underwriting question that most lawyers will not be able to answer. You will need to contact your insurance agent or insurance company.
    Answer Applies to: Connecticut
    Replied: 6/13/2012
    Joel H. Schwartz, P.C.
    Joel H. Schwartz, P.C. | Steven A. Schwartz
    You would have to pay your deductible for any car damage, but your insurance would only go up if you caused the accident.
    Answer Applies to: Massachusetts
    Replied: 6/13/2012
    Paul Whitfield and Associates P.A.
    Paul Whitfield and Associates P.A. | Paul L. Whitfield
    Should not. But you know every time your carrier pays a claim for you they will want to get their money back by increasing your premiums. Talk to your insurance agent about this.
    Answer Applies to: North Carolina
    Replied: 6/13/2012
    Koning & Jilek, P.C.
    Koning & Jilek, P.C. | Jonathan Neal Jilek
    It may. However that is an issue with your insurance company. They can decide to raise rates. The risk should already be built into your premium.
    Answer Applies to: Michigan
    Replied: 6/13/2012
    Lombardi Law Firm
    Lombardi Law Firm | Steve Lombardi
    Well, I don't know the answer to that question, but will refer you to the agent who writes your policy. They will know the answer.
    Answer Applies to: Iowa
    Replied: 6/13/2012
    Mishkind Law Firm, Co., L.P.A.
    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
    Replied: 6/13/2012
    Robinette Legal Group, PLLC
    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
    Replied: 6/13/2012
    Shaw Law Firm
    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
    Replied: 6/13/2012
    Musilli Brennan Associates PLLC
    Musilli Brennan Associates PLLC | John F Brennan
    That will depend on your insurance carrier, but generally not.
    Answer Applies to: Michigan
    Replied: 6/13/2012
    Ferguson & Ferguson
    Ferguson & Ferguson | Randy W. Ferguson
    You never know. Sometimes it will and sometimes it won't. It depends on the insurance company and your driving record.
    Answer Applies to: Alabama
    Replied: 6/13/2012
    Law Offices of David W. Hibbert
    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
    Replied: 6/13/2012
    Burnett Evans Banks
    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
    Replied: 6/13/2012
    Law Office of Russell D. Gray, PC
    Law Office of Russell D. Gray, PC | Russell D. Gray
    If the accident was not caused by you, your insurance shouldn't go up. If they try to raise your rates, show them the police report that says it wasn't your fault.
    Answer Applies to: Utah
    Replied: 6/13/2012
    The Law Offices of Paul A. Samakow, P.C.
    The Law Offices of Paul A. Samakow, P.C. | Paul A. Samakow
    No. Your insurance goes up, sometimes, if you cause an accident. Check with your insurance agent on when. Being a victim, no, your insurance rates will not increase.
    Answer Applies to: Virginia
    Replied: 6/13/2012
    Garruto & Calabria, LLC
    Garruto & Calabria, LLC | Andrew F. Garruto
    Possibly, it depends upon how your insurance company rates its insureds.
    Answer Applies to: New Jersey
    Replied: 6/13/2012
    Blackburn Law, PC
    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
    Replied: 6/13/2012
    Gilbert & Bourke, LLP | Brian J. Bourke
    It should not. Rates are determined by accidents that are your fault.
    Answer Applies to: California
    Replied: 6/13/2012
    Bruce Plesser | Bruce Plesser
    Probably not at least they won't give a rate increase on that event.
    Answer Applies to: Florida
    Replied: 6/13/2012
    Kelaher Law Offices, P.A.
    Kelaher Law Offices, P.A. | James P Kelaher
    While I can't speak for your insurance company, rates are typically only increased if the accident was your fault.
    Answer Applies to: Florida
    Replied: 6/13/2012
    Broad Law Firm, LLC
    Broad Law Firm, LLC | Donald K. Broad
    Every insurance company's underwriting criteria is different, but generally, if you were not at fault for the accident, it should not affect your rates. You should check with your insurance agent.
    Answer Applies to: Indiana
    Replied: 6/13/2012
    The Lucky Law Firm, PLC
    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
    Replied: 6/13/2012
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