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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.
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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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