Question
If I'm the victim of a hit and run will my rate increase?
If I am a victim of a hit and run accident still my rate goes up and accident will appear in my record? I was driving on the street suddenly a car passed from the other side and hit my car and run I couldn't get any information from the other driver. Will the accident still be posted on my driving record?
Answer
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 accidents do not impact your rates as much as an at-fault accident and only stay on your record for up to three years. With that being said, if your damages were paid under your collision coverage (if you don't have uninsured motorist coverage), then the accident will be listed as at-fault. At-fault accidents can stay on your record for up to five years and impact your rate. Good luck and if you have any questions, don't hesitate to ask.