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Will my mom and I face higher insurance rates if we file a claim after a hit-and-run?
"My mom's car got hit in a parking lot and we're looking at getting it repaired. We can afford to fix the damage ourselves, but we are wondering if we should just submit a claim through our insurance.
Does insurance cover hit-and-runs? Would our rates increase after filing a claim?"
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Depending on the coverage on your mom’s policy, you may be able to file a claim with her insurance.
For hit-and-runs, insurance companies will usually file a claim under
collision car insurance
. This would require that your mom pay her deductible. If she doesn’t have full coverage, she may not be able to submit a claim. You should look over the terms and conditions of her policy. It should detail what coverage would apply if there’s a hit-an- run.
Should you decide to submit a claim with her insurance, her rates could increase. Anytime you have a claim on your record, even if it’s not at fault, it can impact your rates. If this is a concern, it may be worth paying for the damage out of pocket.
“
View full answer
- Gregory R.
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