Hot and run question
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Anonymous
| Someone hit my car in the parking lot and didn't leave a note--there were no witnesses. If I file a claim with my insurance, will I get dinged and have my premiums go up? |
Anonymous
| Check to see if there are any cameras located in the parking lot first... |
Anonymous
| Yes, your premiums will increase. That's what happens when you file a claim. |
Anonymous
| Is the damage more than your deductible? |
Anonymous
+1 |
Anonymous
| I had this happen and my uninsured motorist coverage took care of the claim. My insurance did not go up. |
Anonymous
| It might not go up now, but if you have another claim it will for sure. If the damage wasn’t much, I wouldn’t put it through insurance. |
Anonymous
Mine didn’t increase either. |
Anonymous
No, that’s not how it always works. |
Anonymous
Usually they let the first one go, but a second claim in a year is not good. If the damage is under $2k I’d just pay it. |
Anonymous
I had 3 small claims within 14 months-2 of which were my fault, me was a hit and run. (I’m not a crazy driver, I swear. Those are the only two at faults I’ve had in 25 years of driving!). After the 3rd incident (which was my 2nd at fault thing), my insurance went up by $40 for one 6 month policy window. The next renewal, it went back down to what it had been before. I’ll take that trade off since I saved thousands of dollars in repair costs in return for an extra $40. |
Anonymous
| When you say in a parking lot, what are you talking about? Some major damage or some minor bumper scratches? |