Lilah Butler, Car Insurance Writer
A hit and run does not affect your insurance rates in most cases. Hit-and-run accidents are treated as not-at-fault incidents, but unlike regular not-at-fault accidents which usually come with an average rate increase of 4%, hit-and-runs usually do not affect insurance rates. However, if you have filed multiple claims, you may see an increase from a hit and run.
Although your insurance rates may not increase after a hit and run, you'll likely have to file a claim under your collision insurance or personal injury protection, both of which will require a deductible. However, if your state requires hit and runs to be filed through uninsured motorist coverage, you may be able to avoid that deductible cost. Make sure to contact your insurer to see which type of coverage applies and what the best course of action is.
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