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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?

Oct 3, 2018 Houston, TX

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Ava Lynch

Insurance Analyst

Credentials
  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

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.

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