Question
How can I get a not at fault accident charged off my driving record?
I was in a hit and run accident why did my insurance go higher? I was involved in a hit and run accident which caused me to damage another car. Why am I charged with a not at fault accident?
Answer
If your insurance company has to pay out on a claim, it will impact your rates. If you have uninsured motorist coverage, the accident will only stay on your record for 3 years and will not impact your rates as much as if you don't. If you don't have uninsured coverage, but do have collisioncoverage, the insurance company will still pay to fix your car but this will be listed as an at-fault accident and will impact your rates for up to five years. Unfortunately, there is nothing else that can be done. You will just have to wait until the claims fall off of your record. Check out our guide to filing claims to learn more about what to expect from the filing process. Good luck and if you have any other questions, don't hesitate to ask.
Insurance is complicated, but it doesn't have to be.
The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.
Step 1: Tell us a little about yourself
Choose an insurance product and enter your zip code to get started. No phone number required.
Step 2: Sip your coffee while we find the best quotes
Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.
Step 3: Compare your quotes
Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.
Step 4: Let our agents do the hard work for you
Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.