Ask An Agent


Get free insurance advice on demand



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?

Agent Answer

Ava Lynch

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 collision coverage, 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. Here is more information on what you can expect when filing a claim. Overall, you will just have to wait until the claims fall off of your record. Unfortunately, there is nothing else that can be done about that. Good luck and if you have any other questions, don’t hesitate to ask.

Was this helpful?

1 1
  • Didn't Find What You Were Looking For?

    Ask us another question and an insurance expert will get back to you with an answer.

Looking to save money on your car insurance?

Learn More