Christopher Tidball, Author

Christopher Tidball

Dear Adjuster,

My daughter had a hit and run accident while her car was parked. The damage wasn’t excessive. Should I submit it to my insurance company or just pay to have it repaired? I don’t want my insurance rates to go up.

Shelly M.


Dear Shelly,

What a great question and one of the most commonly asked.   What you are describing is a not at fault accident, which should not impact your rates.   However, you may have a deductible to consider.  You should contact your agent, who will know your carrier better than anyone, and discuss the situation with them.

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