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

How does it work with insurance if I was hit by a moped

If you're struck by a moped and it damaged your vehicle, how do I handle this? If I call my insurance company and file a claim, will my car insurance go up even though I'm not at-fault? The moped struck my vehicle does not have insurance.

Jul 17, 2018 Everett, MA

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…

The short answer is yes, your premium will go up if you file a claim. Anytime your company has to pay out on a claim your insurance will increase. If you do not want to file a claim with your company you can seek out an attorney for advice on taking legal action to have the damages covered by the responsible party. This would fall under their liability coverage from their renters or homeowners. If you do decide to file a claim, keep in mind, it will be filed under your collision coverage which will show up on your claims history as an at-fault accident. The reason being, Massachusetts doesn't have uninsured motorist coverage for property damage. Anytime your collision coverage is used it is reported as at-fault. Bear in mind, any violation or at-fault accident will stay on your insurance premium (and thus be chargeable) for 3 years. In Massachusetts in 2020, an at-fault accident increased annual premiums an average of $730, meaning over three years you would pay an extra $2,190. 

 

Another thing to think about is the cost of the repairs. If the cost to repair the car is less than or not much more than your deductible you would want to just pay out of pocket for the repairs. If you pay out of pocket the accident will not go on your record. Even if you do not file a claim, most insurance companies require you to report any incident. Check your policy for their specific guidelines as well as our article on when and how to file an insurance claim. Good luck and if you have any further 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...

Damage to fog light insurance claim

So there are a few things to consider before you file the claim.How much does it cost to repair the damage to your car? If it's less or close to the amount of your deductible, then you wouldn't want to file a claim because they wouldn't pay much for the damages, if any at all.Is the …
Aug 15, 2018 Kennewick, WA

What are my options if I am paying over $700 a month in car insurance?

Unfortunately, it would appear that your girlfriend's insurance company sees her as a high-risk driver. This would explain her coverage being dropped and the new policy having expensive rates. There are many factors that come into play when insurance companies determine rates. Your driving rec…
Jun 5, 2019 New York City, NY

If I hit someone and they don't have car insurance is it still my fault?

If you're determined at-fault in the accident, you are responsible for the other driver's damages regardless of whether or not they're insured. You might be thinking of no-fault insurance, which Pennsylvania has voluntary participation in. This only refers to bodily injury damages an…
Jun 16, 2019 Lancaster, PA

Can I group multiple accidents into one claim?

Unfortunately, you would be filing a collision claim which would be categorized by your insurer as an at-fault accident. This will likely cause your rate to increase. And since you have damage to two different areas of your vehicle that came from separate incidents, your insurance company will requ…
Nov 19, 2017 Sacramento, California