“When someone else is at fault for an accident or damages, their insurance would pay for your repairs. But since you most likely don’t know who hit your car, your insurance would cover the damage. By submitting the claim to your insurance company, you would be required to pay your deductible.
You can contact your local police department and file a report. They may be able to find the party that is responsible for the damage. Their insurance would then pay for damages and you would either get your deductible back or not be required to pay it at all.
If you’re worried about your premium increasing, you can reach out to your insurance company directly to get more information, as every carrier is different. “