I Was Backed into by Someone with No Insurance.

[theflatlander]

I was just backed into today. I have full coverage and I wasnt in the vehicle, and my vehicle wasnt moving. the person backed straight into me had no insurance. I know of them but not them personally. I called the cops, and filled a police report.

Obviously since it was Sunday I couldnt get a hold of a regular claims rep. My buddy is trying to tell me my premium is going to go up since they didnt have insurance. I dont understand how it would make my insurance go up when I wasnt driving at at all. Can this happen?

looking for any advice

 

[xrac]

I was just backed into today. I have full coverage and I wasnt in the vehicle, and my vehicle wasnt moving. the person backed straight into me had no insurance. I know of them but not them personally. I called the cops, and filled a police report. Obviously since it was Sunday I couldnt get a hold of a regular claims rep. My buddy is trying to tell me my premium is going to go up since they didnt have insurance. I dont understand how it would make my insurance go up when I wasnt driving at at all. Can this happen? looking for any advice

Do you have uninsured motorist coverage?

 

[djs]

This may vary in some states, but usually if the accident isn't your fault, it doesn't affect your rates. The one area it may is if you have a claims free discount, this will sometimes be removed, but, in general, its not a big discount anyway.

Xrac asked about uninsured motorist coverage, or what may be called deductible waiver on your policy, since this will impact how the deductible is handled. If you know who hit you and they don't have insurance and you have this coverage, you shouldn't have a deductible to pay either. Without it, you will pay the deductible on the policy, though if the insurance company and get the other person to pay the claim, they will reimburse your deductible (not likely).

Dan

 

[BlockO]

when it comes to UMPD, the laws from state to state are all over the place!

some states offer UMPD as an optional coverage.
other states require UMPD.
some states make UMPD null and void with collision coverage.
other states allow UMPD with collision coverage, allowing a deductible waiver.
some states don't offer UMPD at all.

 

[Gulliver]

You shouldn't get a rate increase from a not-at-fault accident, however, it is still a claim. Hopefully you do have uninsured motorist property damage but most states don't have that. Don't sweat too much over this unless you have already had a lot of claims the past few years. If you have had your frequency of claims could be held over your head and give them a reason to remove you from their customer list.
Gulliver

 

[Igozoom]

As others have already said, the impact on your premium (if any) may vary by state...

Here in Georgia, Uninsured/Underinsured Motorist coverage is optional, but most drivers with Comprehensive & Collision have it. UM/UIM claims (as well as Comprehensive claims) do not cause an increase in premium for the policyholder since he/she is not-at-fault.

In the five years that I spent as an independent agent, I had two customers who were 'non-renewed' due to multiple not-at-fault claims during a short period of time. Both had three or more Comprehensive and/or UM/UIM claims during a 12-month period. Even though they weren't at-fault, they were still considered to be undesirable risks.

If you've had no claims or even one claim in the past two years, you shouldn't have anything to worry about.

You should consider how much the damage to your vehicle will cost to repair in relation to your UM PD deductible. If you have a $500 UM deductible and you only have $600 worth of damage, it probably isn't worth filing a claim that will only pay $100...