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Being involved in a hit-and-run accident can be incredibly stressful, especially when considering the potential impact on your insurance premiums. If you’ve been in a hit-and-run accident, you may wonder if a hit-and-run claim will raise your insurance. This guide can help you understand the impact this situation may have on your insurance rates.

Will Your Insurance Go Up After a Hit-and-Run Claim?

Will a hit-and-run claim raise my insurance?

If courts find you to be at fault for a hit-and-run, your insurance provider may view you as a high-risk driver and increase your insurance rates. If you are not at fault, Arizona law states that your insurance company cannot increase your insurance rates as a result of the hit-and-run.

A hit-and-run accident occurs when a driver involved in a collision leaves the scene without providing contact information or assisting the injured parties. In Arizona, hit-and-run incidents can result in severe penalties for the offending driver.

Factors Influencing Insurance Premiums After a Hit-and-Run

If you are at fault for the hit-and-run, the severity of the situation will impact your insurance rates. Here are some factors that contribute to insurance rate increases for at-fault drivers: 

  1. Fault Determination: In Arizona, insurance companies will assess who is at fault in the accident. The insurance rates of at-fault drivers will generally increase.
  2. Claim History: Your past insurance claims history plays a significant role. If you have a history of frequent claims, your insurer might view you as a higher risk, leading to increased premiums.
  3. Insurance Policy Terms: Each insurance policy is different, and the terms and conditions outlined in your policy will determine how a hit-and-run affects your premiums.

If you are not at fault for the hit-and-run incident, it’s important to ensure that your insurance company is fully aware of this so that they do not increase your insurance rates. Providing evidence and working with an attorney can help you make sure your insurance company treats you fairly. 

Steps to Take After a Hit-and-Run Accident

Learn if a hit-and-run claim will raise your insurance.

After you ensure your safety at the scene, you should immediately report the accident to the police. A police report can be crucial in supporting your insurance claim and proving that you’re not at fault. You should also collect as much information as possible from the scene, including photos, witness statements and any other relevant details.

You will also need to inform your insurance company about the hit-and-run as soon as possible and provide them with the information you have gathered. Additionally, you should seek medical attention as soon as possible if you are injured. Documenting your injuries is important for both your health and your claim.

Learn More About Whether a Hit-and-Run Claim May Raise Your Insurance

Whether a hit-and-run claim may raise your insurance in Arizona depends on factors such as fault determination, your claim history and your insurance policy terms. To minimize any negative impacts of a hit-and-run, it’s important to work with an experienced accident attorney in Phoenix. 

If you have been involved in a hit-and-run accident in Arizona and need legal assistance, contact us at Sargon Law Group for a free consultation. Our car accident attorneys provide personalized support and fight for the compensation you deserve.