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Question

Why was a hit and run listed as an at-fault accident on my insurance?

Why would a hit and run in a parking lot while I was at work be listed as at-fault to me? While I was inside the hospital at work, someone backed into my car which was parked in the hospital parking deck. My friend says it will be counted as an at-fault accident, why?

Agent Answer

Ava Lynch
A hit and run can be considered at-fault for a few different reasons. First, you must have uninsured motorist property damage coverage for the accident to be listed as not-at-fault. If your collision coverage pays for the damages, then it is listed as an at-fault accident. Lastly, if you have uninsured property damage, you will need to provide a police report in order for the claim to be processed. Whether or not you file a claim is up to you. If you can afford to pay for the damages out of pocket, you will avoid your insurance rates being impacted because you filed a claim. At-fault accidents can impact your rate for up to five years. Not-at-fault accidents can impact your rates for up to three years. Here is more information on when to consider not filing a claim. Also, if you do decide to file a claim, this article can tell you what to expect. Good luck and if you have any questions, don’t hesitate to ask.

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