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

Feb 3, 2019 Charlotte, NC

Answer
Author profile picture

Ava Lynch

Senior Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty

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

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 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. Check out our claims calculator and guide to filing claims to learn more about when to file a claim and what to expect from the process. Good luck and if you have any questions, don't hesitate to ask.

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. 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.

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...

If I'm the victim of a hit and run will my rate increase?

The accident will show up on your record. How it appears on your record depends on what coverage paid for your repairs. If you have uninsured motorist coverage (which covers a hit a run) and this coverage was used to pay for the damages, the accident will be listed as not-at-fault. Not-at-fault acc…
Feb 25, 2019 Houston, TX

Does my insurance cover the damage to trailer even though I wasn't hauling it?

The claim should be covered by your insurance company as long as your policy includes permissive use. Permissive use means that claims will be covered if you give someone (who doesn't drive the vehicle regularly or lives with you) permission to drive the vehicle. Keep in mind, when a claim is …
Feb 18, 2019 Staley, NC

If my friend gets a ticket while driving my uninsured car, who will it go to?

If your friend was pulled over without insurance, they would be the one to receive the ticket. However, if they caused an accident, the other party may be able to come after you AND your friend for damages. This is because you are the owner of the car and required by law, as an owner, to have insur…
Jun 26, 2018 Menasha, WI

Can a dismissed ticket affect my insurance?

The only scenario in which a dropped or dismissed ticket would still affect you would be if there was an accident involved. If the ticket was dropped but your insurance company paid out to any party for a claim, the accident would still show up. If the ticket was dropped and a claim was not paid th…
Nov 10, 2019 Lumberton, NC