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?"

Answer
“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.
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Emily Maracle
Answered on May 20, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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