{"id":167574,"date":"2025-01-27T11:03:29","date_gmt":"2025-01-27T11:03:29","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-someone-hits-me\/"},"modified":"2025-01-27T11:03:29","modified_gmt":"2025-01-27T11:03:29","slug":"will-my-insurance-go-up-if-someone-hits-me","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-someone-hits-me\/","title":{"rendered":"Will my insurance go up if someone hits me?"},"content":{"rendered":"<p>The fear of increased insurance rates is a common concern for many drivers who have been involved in accidents that were not their fault. So, the burning question remains &#8211; Will my insurance go up if someone hits me? The simple answer is that it depends on several factors, including your insurance provider&#8217;s policies and the circumstances of the accident. In most cases, your rates should not go up if you were not at fault for the accident. However, there are some exceptions to this rule.<\/p>\n<p>If you find yourself in the unfortunate situation of being hit by another driver, here are a few things to keep in mind:<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-someone-hits-me\/#1_What_factors_determine_if_my_insurance_rates_will_increase\" title=\"1. What factors determine if my insurance rates will increase?\">1. What factors determine if my insurance rates will increase?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-someone-hits-me\/#2_Will_my_rates_go_up_if_the_other_driver_is_uninsured\" title=\"2. Will my rates go up if the other driver is uninsured?\">2. Will my rates go up if the other driver is uninsured?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-someone-hits-me\/#3_What_if_the_other_driver_is_at_fault_but_doesnt_have_insurance\" title=\"3. What if the other driver is at fault but doesn&#8217;t have insurance?\">3. What if the other driver is at fault but doesn&#8217;t have insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-someone-hits-me\/#4_Will_my_rates_go_up_if_I_file_a_claim_for_a_hit-and-run_accident\" title=\"4. Will my rates go up if I file a claim for a hit-and-run accident?\">4. Will my rates go up if I file a claim for a hit-and-run accident?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-someone-hits-me\/#5_How_can_I_prove_that_I_was_not_at_fault_for_the_accident\" title=\"5. How can I prove that I was not at fault for the accident?\">5. How can I prove that I was not at fault for the accident?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-someone-hits-me\/#6_What_should_I_do_if_the_other_drivers_insurance_company_tries_to_blame_me_for_the_accident\" title=\"6. What should I do if the other driver&#8217;s insurance company tries to blame me for the accident?\">6. What should I do if the other driver&#8217;s insurance company tries to blame me for the accident?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-someone-hits-me\/#7_Will_my_rates_go_up_if_I_use_my_comprehensive_coverage_for_a_hit-and-run_accident\" title=\"7. Will my rates go up if I use my comprehensive coverage for a hit-and-run accident?\">7. Will my rates go up if I use my comprehensive coverage for a hit-and-run accident?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-someone-hits-me\/#8_How_long_will_the_accident_stay_on_my_driving_record\" title=\"8. How long will the accident stay on my driving record?\">8. How long will the accident stay on my driving record?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-someone-hits-me\/#9_What_if_the_other_driver_is_a_family_member_or_friend\" title=\"9. What if the other driver is a family member or friend?\">9. What if the other driver is a family member or friend?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-someone-hits-me\/#10_Will_my_rates_go_up_if_the_other_driver_is_underinsured\" title=\"10. Will my rates go up if the other driver is underinsured?\">10. Will my rates go up if the other driver is underinsured?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-someone-hits-me\/#11_Should_I_always_file_a_claim_after_being_hit_by_someone_else\" title=\"11. Should I always file a claim after being hit by someone else?\">11. Should I always file a claim after being hit by someone else?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-someone-hits-me\/#12_What_steps_can_I_take_to_prevent_my_rates_from_going_up_after_an_accident\" title=\"12. What steps can I take to prevent my rates from going up after an accident?\">12. What steps can I take to prevent my rates from going up after an accident?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"1_What_factors_determine_if_my_insurance_rates_will_increase\"><\/span>1. What factors determine if my insurance rates will increase?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nInsurance companies consider several factors when determining whether your rates will increase after an accident. Some of these factors include the severity of the accident, the amount of damage caused, and your driving history.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Will_my_rates_go_up_if_the_other_driver_is_uninsured\"><\/span>2. Will my rates go up if the other driver is uninsured?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf the other driver is uninsured, you may have to file a claim with your own insurance company. In this case, your rates could potentially go up, depending on your provider&#8217;s policies.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_What_if_the_other_driver_is_at_fault_but_doesnt_have_insurance\"><\/span>3. What if the other driver is at fault but doesn&#8217;t have insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf the other driver is at fault but doesn&#8217;t have insurance, you may have to rely on your own uninsured motorist coverage to cover the damages. Again, this could impact your insurance rates.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Will_my_rates_go_up_if_I_file_a_claim_for_a_hit-and-run_accident\"><\/span>4. Will my rates go up if I file a claim for a hit-and-run accident?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf you are involved in a hit-and-run accident, you should report it to your insurance company as soon as possible. In most cases, filing a claim for a hit-and-run accident should not cause your rates to go up.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_How_can_I_prove_that_I_was_not_at_fault_for_the_accident\"><\/span>5. How can I prove that I was not at fault for the accident?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nTo prove that you were not at fault for an accident, you can provide witness statements, police reports, and any other relevant evidence to your insurance company.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_What_should_I_do_if_the_other_drivers_insurance_company_tries_to_blame_me_for_the_accident\"><\/span>6. What should I do if the other driver&#8217;s insurance company tries to blame me for the accident?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf the other driver&#8217;s insurance company tries to shift the blame onto you, it&#8217;s important to gather as much evidence as possible to support your case. You may also want to consider seeking legal advice if necessary.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Will_my_rates_go_up_if_I_use_my_comprehensive_coverage_for_a_hit-and-run_accident\"><\/span>7. Will my rates go up if I use my comprehensive coverage for a hit-and-run accident?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf you have comprehensive coverage on your insurance policy and need to use it for a hit-and-run accident, your rates may not necessarily go up. However, it&#8217;s always a good idea to check with your insurance provider to be sure.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_How_long_will_the_accident_stay_on_my_driving_record\"><\/span>8. How long will the accident stay on my driving record?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nAccidents typically stay on your driving record for a few years, depending on your state&#8217;s regulations and your insurance provider&#8217;s policies. During this time, there is a higher likelihood that your rates could increase.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_What_if_the_other_driver_is_a_family_member_or_friend\"><\/span>9. What if the other driver is a family member or friend?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf the person who hits you is a family member or friend, you may still need to file a claim with your insurance company. In this case, your rates may or may not go up, depending on your provider&#8217;s policies.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Will_my_rates_go_up_if_the_other_driver_is_underinsured\"><\/span>10. Will my rates go up if the other driver is underinsured?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf the other driver is underinsured and their policy does not cover all the damages, you may need to rely on your underinsured motorist coverage. Using this coverage could impact your rates, so it&#8217;s important to check with your insurance provider.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Should_I_always_file_a_claim_after_being_hit_by_someone_else\"><\/span>11. Should I always file a claim after being hit by someone else?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIt&#8217;s typically a good idea to report any accidents to your insurance company, even if you were not at fault. This can help protect you in case the other driver tries to dispute the claim later on.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_What_steps_can_I_take_to_prevent_my_rates_from_going_up_after_an_accident\"><\/span>12. What steps can I take to prevent my rates from going up after an accident?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nTo minimize the risk of increased rates after an accident, you can consider taking a defensive driving course, maintaining a clean driving record, and shopping around for the best insurance rates. These proactive steps can help you save money in the long run.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The fear of increased insurance rates is a common concern for many drivers who have been involved in accidents that were not their fault. So, the burning question remains &#8211; Will my insurance go up if someone hits me? The simple answer is that it depends on several factors, including your insurance provider&#8217;s policies and &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Will my insurance go up if someone hits me?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/will-my-insurance-go-up-if-someone-hits-me\/#more-167574\">Read more<span class=\"screen-reader-text\">Will my insurance go up if someone hits me?<\/span><\/a><\/p>\n","protected":false},"author":41,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-167574","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Will my insurance go up if someone hits me?<\/title>\n<meta name=\"description\" content=\"The fear of increased insurance rates is a common concern for many drivers who have been involved in accidents that were not their fault. 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