What Should Happen Here?

[GeminiGroup]

Pretty much!
Its not to recover the loss already paid, but statistically speaking, once you are in one accident, you are much more likely to get into another.

Dan

Now you're stating this for an at fault situation.

Many people are afraid because they think the same is true if they submit a claim of any sort.....Are they misinformed?

Ex. If somebody hits your car in a parking lot and takes off (obviously you didn't DO anything wrong)......
Will something like that cause that person to get jacked on his rates, somehow being looked at as a higher risk or is that just old wives tales?
Thanks,
Eric

 

[NCAgent]

Now you're stating this for an at fault situation.

Many people are afraid because they think the same is true if they submit a claim of any sort.....Are they misinformed?

Ex. If somebody hits your car in a parking lot and takes off (obviously you didn't DO anything wrong)......
Will something like that cause that person to get jacked on his rates, somehow being looked at as a higher risk or is that just old wives tales?
Thanks,
Eric

I think that depends on the company and the state. Some states handle that as a "parked-car collision" and use collision coverage for it. One of my companies treats it like a "parked-car incident" and doesn't rate it the same way. One of my companies looks at it like an at-fault because you still cost the insurance company money and filed a claim.

 

[wenlim09]

And I'm really not buying you spoke to your insurance company and they told you it's not a problem or not their problem.

________________________________________________

I agree...I didn't catch that at first.

IF you indeed told YOUR INSURANCE company that you were driving and YOU HIT someone's car.......it is hard to believe they said
'it's NOT their issue' because THAT'S what you pay them to do.... insure you as a driver.
And you were driving, that is exactly WHY you pay for insurance, it'd be mind-boggling for them NOT to inform you of that.[/QUOTE]

Not so hard to believe anymore, eh asshole?

 

[skanair]

Companies do very. Some will not charge you for an at fault accident if total damage is under 1000 and there are no injuries. Also depending on the severity of the accident (property damage only vs bodily injury) your rates will increase accordingly.

 

[AutoInsuranceExperts]

Once again, Dan hits the nail on the head:

Coverage: appears in force - permissive use

Liability is clear: you backed into a parked car, you are 100% at fault

Damages: let the insurance company handle the damages. They are minor and likely won't result in a rate increase or at least a minimal one. Insurance follows the vehicle but rating issue lies with the driver

This is one of the more clear cut cases in terms of liability and damages. Accept responsibility and let the insurance company do it's job.

Good luck,
Marc

 

[djs]

Now you're stating this for an at fault situation.

Many people are afraid because they think the same is true if they submit a claim of any sort.....Are they misinformed?

Ex. If somebody hits your car in a parking lot and takes off (obviously you didn't DO anything wrong)......
Will something like that cause that person to get jacked on his rates, somehow being looked at as a higher risk or is that just old wives tales?
Thanks,
Eric

When you hit a parked car, you are at fault. No questions, no arguements, doesn't matter the other car was parked upside down in a red zone with a fire truck approaching.

Most people are misinformed about permissive use drivers. We won't get into the complications of a named driver insurance policy, those usually only come up in non-standard policies.

If someone hits your car and leaves (hit and run) and you file a claim with your insurance company, it should not affect your rates. If you do this a few times, they may non-renew you though. (CA answer, your state may vary).

Dan