Even if you’re not at fault for an accident, most states allow insurance companies to raise your rate in order to recoup the cost of a claim. The exceptions are California and Oklahoma, where insurers are not allowed to raise your rate if you’re not at fault for an accident. Additionally, some insurers won’t raise rates for minor claims related to not-at-fault wrecks.
As a result, whether or not your insurance goes up after your parked car is hit depends on the specifics of the accident, your state, and your insurance company’s practices. To learn more, check out WalletHub’s guide on how much insurance goes up after an accident.
The first thing you should do after a car accident that is not your fault is to make sure everyone inside your car is safe and uninjured. Next, call the police, take pictures of the scene, and exchange insurance information with the at-fault driver so you can file a claim with their insurer. You should also report the accident to your insurance company in case you need to file a … read full answercollision, personal injury protection, or MedPay claim with your own policy.
What to Do After a Car Accident That’s Not Your Fault
Move your car away from oncoming traffic and address any injuries. If your car is driveable you should try to move your car out of harm’s way to avoid further accidents or injuries.
Call the police and file a report. This will help you further along the way when filing an insurance claim since a police report will most likely determine fault.
Get the other driver’s insurance information. Take a photo of their insurance card so that you can get in touch with their insurer if you need to file a liability claim.
Take pictures of the scene and damage to the cars. Insurers require evidence before they can settle a claim. Having pictures from the incident will help speed up the claim process.
Report the accident to your insurance company. Even if you don’t file a claim with your own insurance, you should still report the accident to your insurer since they might need to update information related to your vehicle.
Document any accident-related expenses. An accident can incur a bunch of hidden costs. Make sure you keep track of all expenses related to the accident so that you can be reimbursed.
File a property damage and/or bodily injury claim with the other driver’s insurance company. Having gathered all the pertinent information, contact the at-fault driver’s insurer and file a claim. Make sure you have all the information and documents mentioned above so that the process goes as smoothly as possible.
Filing an Insurance Claim When You’re Not at Fault
If an accident is not your fault, you can file a claim with the at-fault driver’s liability insurance. This will cover the cost of vehicle repairs and medical bills up to the limits of the driver’s policy.
Because it can take a long time for an insurance adjuster to officially determine fault, however, you can initially file a collision or personal injury claim with your own insurer to cover vehicle repairs and medical expenses, regardless of fault. Once fault is determined, your insurance company will recover the expenses from the at-fault driver’s insurer, and your deductible will be refunded.
If someone hit your parked car, you should file a police report because it will make the claims process easier and might come in handy if there is more damage than you initially think. If the person who hit your car left a note, their insurance company should pay for your expenses with … read full answerproperty damage liability insurance. But if the incident was a hit-and-run, you or your insurance company will end up footing the bill.
What to Do After Someone Hits Your Parked Car
1. Contact the police to file an accident report.
An officer might be dispatched to the scene to investigate and write a report, or you might be asked to provide details to your local district in person or online.
2. Document the accident at the scene.
Take photos of the note left by the other driver, if there was one. Photograph any damage to your car and the overall scene, including a view of the roadway, the position of your vehicle, and any wreckage or skid marks.
If possible, get information from witnesses, including names, contact details, and a brief statement. Note the date, time, location, weather conditions, and any other relevant details, too.
3. Begin the claims process with your insurance company.
Your insurance company will guide you through the claims process and contact the other driver’s insurance provider on your behalf, if the person who hit your car left a note. If someone hit your car and didn’t leave a note, you’ll have to file a claim using your own collision coverage or uninsured motorist protection, assuming you carry these coverage types.
Insurance To Use If Someone Hits Your Parked Car
If your car is hit while parked, you can use your collision insurance or uninsured/underinsured motorist coverage to pay for the damage. Both types of coverage typically have a deductible, though, which means you’ll probably pay something out of pocket to get your car fixed. You’ll also be subject to your policy limits, so you’ll be responsible for any cost that exceeds your coverage terms.
Finally, it’s important to note that uninsured motorist property damage coverage is not available in some states. And in other states where it is available, you might be unable to use it if the at-fault driver is unidentified.
If a car accident is not your fault, your insurance rate could still go up, depending on your state and insurance company. On average, a not-at-fault accident makes insurance costs go up by about 12%, compared to 45% for an at-fault accident.
Insurance rates can go up after a not-at-fault accident because statistics show that having any accident on your driving record makes you more likely to file a claim in the future. And in some situations, not-at-fault accidents can still cost insurers money. … read full answer
California and Oklahoma are the only two states that prohibit insurance companies from raising rates after not-at-fault accidents. In states where it is allowed, the exact amount that your premium will go up depends on your insurance company. As of 2017, for example, Progressive increased premiums by an average of 16.6% after a not-at-fault accident. Meanwhile, Allstate only increased rates by 4.8%, and drivers with State Farm didn’t see their rates go up at all.
Situations Where Your Insurance Company Has to Pay
In most cases, your insurance company won’t have to pay for a not-at-fault accident since the other driver’s policy will cover your expenses. But if you’re hit by an uninsured motorist or you’re the victim of a hit-and-run, your policy might cover the damages depending on what types of coverage you have. Liability insurance alone wouldn’t cover your expenses, but other types including collision and uninsured/underinsured motorist would. And if you live in a no-fault state, your insurance company will have to pay for your medical expenses regardless of who caused the accident. As a result, any cost to your insurer will be taken into consideration when your insurer is re-evaluating your premium.
Although it’s frustrating to be charged for an accident that wasn’t your fault, the effects on your premium will only be temporary. Accidents usually only stay on your driving record for three years, so if you continue to practice safe driving habits during that time, your rates will eventually go back down.
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