if i file a hit and run claim to have my car fixed, will it affect my insurance?
11-30-2003, 02:28 PM
#3
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Technically, it should not affect your rates...
however, insurance companies have ways of running their business where it'll come back to bite you in the a$$ at the most unlikely time. For instance, if they institute a new policy that drops people who have had 3 or more claims inside of 3 years...this incident might be the one that puts you over the top.
If the damage can be repaired reasonably close to your deductible, I would leave the insurance company out of it. If the damage is something like $2K, and your deductible is $500...then I would be more inclined to file the claim. Your call.
Best thing to do is call your agent, and ask them how and if a hit and run claim will affect your rates.
If the damage can be repaired reasonably close to your deductible, I would leave the insurance company out of it. If the damage is something like $2K, and your deductible is $500...then I would be more inclined to file the claim. Your call.
Best thing to do is call your agent, and ask them how and if a hit and run claim will affect your rates.
11-30-2003, 04:32 PM
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Kinda related..I had to file a claim when I slid off a fwy offramp....
It never affected my car ins..but when I filed for motorcycle insurance, the rate almost doubled because of the "incident"... i'm in california so when you have to file a claim for more than $500 bucks you have to file the paperwork w/ the DMV for the details of the incident.
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