If my car is hit, does my insurance go up?

Your auto insurance rates will only increase if you're at fault for the accident. High-risk drivers can expect to pay $137.75/mo more for coverage on average.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 28, 2021

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Things to remember...

  • You must carry physical damage coverage on your vehicle if you want your insurer to pay for your vehicle repairs
  • If someone hits your vehicle in the parking lot, you can file a third-party claim against the other driver’s insurance
  • Even when you’re filing a third-party claim it’s best to contact your own company to protect your interests
  • If you can’t identify the person who hit your car, you can file a collision claim against your own policy
  • When you chose not to carry full coverage, you’ll need UMPD for coverage to pay for repairs after a hit-and-run loss

You do everything in your power to obey traffic laws and drive safely so that your insurance rates won’t go up. Unfortunately, no matter how good of a driver you are, not all losses can be prevented.

This is especially true when someone hits your unoccupied car while you’re in your office or in your own home.

After you get past the flood of emotions that you feel when you discover that your vehicle has been hit, you have to start planning on how you’ll get your car fixed.

If it’s minor damage, you might be interested in paying for the repairs out of pocket to keep the insurance out of it, but when there’s significant damage, this isn’t realistic.

If you’re not filing a claim out of fear of an insurance rate increase, here’s what you should know.

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Does a basic auto insurance policy pay when your car is hit by another driver?

If you’re not at fault for the accident, it doesn’t always mean that your insurance will pay for your damages.

When consumers buy a basic insurance policy, their policy will only pay for damages to others and not damages to the policyholder’s property listed on the policy. This is true if you’re to blame for the damage or if someone else hits you.

Your auto insurance will offer you physical damage coverage for an additional premium. While 72 percent of policyholders have full coverage, many people who own their cars outright will elect not to carry physical damage coverage because it can get rather expensive.

In fact, the average cost for comprehensive and collision is around $440 per year.

Even though full coverage can be expensive to carry, adding comprehensive and collision insurance is the only way to ensure that you’ll have some form of coverage if your car is hit, vandalized, stolen, torched, or flooded.

In order to buy physical damage coverage, you may have to pass an inspection to prove that your car doesn’t have any pre-existing damage.

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Which coverage pays when someone hits your car and doesn’t leave their information?

By law, drivers who damage an unoccupied vehicle are required to leave their information on a paper so that the vehicle’s owner can contact them to make arrangements.

Anyone who hits a car and leaves the scene without leaving their accurate information will be guilty of hit and run. While this is a serious crime, it happens more often than you’d think.

If you’re unlucky enough to be the victim of a hit-and-run driver, you can file a claim against your own policy as long as you have collision insurance.

It’s collision and not comprehensive that will pay for repairs needed after your vehicle is hit by someone. You’ll probably be required to file a policy report before the carrier will classify it as a hit-and-run claim.

Do you have to pay anything when you file your collision claim?

When you’re not to blame for a crash you typically collect against the other driver’s insurance.

This is why you don’t have to pay any type of deductible. Unfortunately, you’re not so lucky when your car is hit be an unidentified party.

Since you couldn’t locate the person and you’re filing a collision claim, you will be obligated to pay your deductible.

Are there any other alternatives if you can’t afford collision?

You need to consider the cost of collision insurance and compare it to the value of your car before you decide to carry it.

For older cars and models that don’t retain much value, carrying collision insurance doesn’t make much financial sense. In this case, there is an alternative form of protection that you can buy and it’s called UMPD.

UMPD stands for Uninsured Motorist Property Damage. It’s an optional form of protection that can be added to your policy for a minimal cost.

It will pay up to $3500 to repair your car without a deductible if your car is hit by someone who flees the scene or someone who has no insurance.

If you have UMPD and collision, it will waive your collision deductible.

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What happens if the driver who hits your car leaves their information?

If your car is hit and the driver is ethical enough to leave their information, filing the claim will be easier. You can contact your insurer and let them know the event happened before you do anything else.

Then you can give your insurance adjuster the driver’s contact information and their insurance information if you have it.

After contacting your insurer, they will initiate the process so that you can file a third-party claim.

The driver’s Property Damage Liability limits will be used to pay for your repairs as long as the driver has an active insurance policy. If you find out their insurance isn’t valid, you’ll file a claim under your collision insurance or your UMPD coverage.

Will filing a claim against your own policy affect your rates?

It doesn’t seem fair to think that your rates could go up for filing a claim. When you’re at fault for a loss, you can almost guarantee that you’ll see a rate increase unless you have accident forgiveness on your policy.

When it’s classified as not at fault, you don’t have to worry about surcharges.

Car insurance companies won’t penalize you as long as they investigate and they find that your car really was hit by a driver who left the scene. This is true even when you file a collision claim against your own coverage.

If you file a claim after your car is hit, it’s your insurer’s job to help you. Consumers who don’t feel like they’re getting help should search for a new carrier. Get instant quotes from several carriers and switch to one with a better reputation.

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