Will my insurance premium raise after an uninsured motorist claim?

Someone hit and run my car, resulting in around $1,000 in damage. I have uninsured motorist coverage, how much would this increase my monthly bill if I were to claim this? And for how long would this last?

Feb 2, 2018 Frederick, Maryland

Ava Lynch

Feb 2, 2018

Uninsured motorist property damage coverage usually comes with a deductible, much like your collision coverage would. However, unlike collision coverage, an uninsured motorist property damage claim won't raise your premium as much as a collision claim out.

On average, a UIMP claim raises car insurance rates by approximately $98 per year.

In Maryland, this increase is smaller, usually adding up to an increase of $43 per year. Meanwhile, a collision (at-fault) claim could result in a $435 increase. Consider, however, that this is just an average. Your company might charge you more or less than this amount. To answer your last question, most companies will charge you for violations for as long as three years. So that $43 could stretch to $129 (plus your deductible).

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