Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

Should I file a claim if my car was side-swiped?

My car was side-swiped at 3:00 a.m. I was unable to get the license plate number of the other vehicle. I estimate that the damage is probably between $3,000 to $4,000. Should I file a claim for the damages? I'm a 28-year-old male with a clean driving record.

Jun 12, 2019 Exeter, RI

Answer
Author profile picture

Ross Martin

Insurance Writer

Credentials
  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

Sorry to hear about your situation. There are several factors to consider before filing a claim. First, do you have collision coverage? In this case, you must have collision coverage for the damages to be covered. Second, is the cost of the damages worth filing a claim? If you file a claim, you will be responsible for your deductible and the accident will likely be listed as at-fault since you do not have the information for the other vehicle. At-fault accidents can greatly impact your rate for up to five years. This may end up costing you more in the long run. It's worth seriously considering whether or not you want to file or simply pay out of pocket for the damages. For more information, check out our claims calculator to help determine if filing a claim is a good idea. You might also find more information in our article on hit-and-run insurance.

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

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.

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.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

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.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

I was rear-ended but the driver drove off before we exchanged information

The safest course of action would be to contact your insurance company with all the information possible. Including the police report and the at-fault driver's license plate information. Your insurance company's claims department will be able to sort out the other driver's informatio…
Dec 11, 2017 Fairfield, Ohio

Do I still have to pay a deductible for a hit and run incident?

In the case of a hit-and-run, if you filed a police report and have uninsured motorist coverage, this could be used to cover the damages. This is additional coverage that must already be on your policy. It could also be covered by the collision portion of your insurance, but keep in mind your premi…
Jun 25, 2019 Manitowoc, WI

Who pays for hit and run damage if there's no UMPD coverage in NY?

Uninsured Motorist Property Damage (UMPD) is not a coverage that is offered in New York. If your policy has collision coverage, you can now use that to repair any damages from a hit-and-run. Or if the situation calls for it, you can also take legal action against the at-fault party. For more inform…
Jan 20, 2019 New York City, NY

Will my insurance company drop me for not changing my address when I moved?

Insurance regulations are very state-specific which is why when you move to a different state you are required to get a new policy. Therefore, it will be up to your current insurance company to decide whether or not they will pay out on the claim. Unfortunately, if they do not you will be responsib…
Jul 16, 2019 Pawtucket, RI