Reply to Note left on my windshield about hit and run

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Reply to "Note left on my windshield about hit and run — now what?"

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Depends on how much damage was done. If it was mostly superficial, I would not worry about it. [/quote]
Do you have a crap car? [/quote]

It's ok, I don't want to pay higher insurance bills for superficial damage I can fix myself. [/quote]

When you are not at fault, your insurance premiums can not go up.  Insurance premiums are based on "insurance points".  You do not accrue any insurance points if you are not at fault.  It's illegal for companies to assess you points or change your premiums for an accident that is someone else's fault.  No-fault or At-fault are different, but not when another driver is At-fault.

Here's an example from North Carolina about what governs insurance premium changes.  Although the specifics vary from state to state, the general concepts are the same.  Your rates cannot change when you are the victim and not at-fault.

[url]https://www.ncconsumer.org/news-articles-eg/your-auto-insurance-premium-changes-based-upon-insurance-points-when-you-file-a-claim.html[/url][/quote]

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