If Someone Hits Your Car Does Your Insurance Go Up

What to Do When Someone Hits Your Car?

Getting into a car accident is a stressful situation for everyone involved. If someone has hit your car, you may be wondering what steps you should take and if you need to worry about your insurance rate increasing. Knowing the answers to these questions can help you protect your rights and make the process of resolving the accident easier.

Collect Evidence

The first thing you should do is collect evidence. Take pictures of the damage to both cars, the location of the accident, and any other important details. Collect the contact information of any witnesses, as well as the other driver’s insurance and contact information. The more evidence you have, the better protected you will be in case the other driver decides to dispute the accident.

Contact Your Insurance Company

You should contact your insurance company as soon as possible after the accident. Let them know what happened and give them any evidence you have gathered. Depending on your insurance policy, you may need to pay a deductible before the company will pay for any repairs. If you don’t have collision coverage, you may need to pay for all repairs out of pocket.

File a Police Report

If there is significant damage to either vehicle or if someone was injured, you should file a police report. The police report will include all the important details of the accident and can be used as evidence in case the other driver tries to dispute the accident. You should also contact a lawyer if you believe the other driver was at fault.

Will Your Insurance Rate Increase?

Whether or not your insurance rate increases after an accident depends on several factors. If you were found to be at fault, your rate is likely to go up. Your rate could also increase if you have multiple accidents on your record or if you have filed multiple claims. If you weren’t at fault or if you have good coverage, your rate should not be affected.

Contact a Professional

If you need help navigating the process of dealing with a car accident, you should contact a professional. A lawyer, insurance agent, or auto repair shop can help you understand your rights and make sure you get the repairs you need. They can also guide you through the process of filing a claim and dealing with the other driver’s insurance company.