I was involved in a hit and run while my car was parked. Someone hit my vehicle and fled the scene, but fortunately, a bystander witnessed the incident and took a photo of the license plate. While the damage isn’t severe, there are some deep scratches on my rear bumper. I called the police, and the witness provided them with the other car’s information. The police tracked down the driver and got me their details, along with their insurance information.
Now I’m wondering whether I should contact my insurance company to handle this situation or go directly through the other driver’s insurance to file a claim. I’m hesitant to involve my own insurance company since I don’t want my rates to increase or have this incident marked on my record when it wasn’t my fault.
For context, I’m located in Texas, where the incident took place.
I’m sorry to hear about the hit-and-run incident, but it’s good that the police were able to catch the driver and that you have their information. Here are some steps you can consider:
Contact Their Insurance Company: Since you have the information for the driver and their insurance, you can directly file a claim with their insurance company. This is often the best option in a case where you’re not at fault, as you shouldn’t have to deal with your own insurance unless absolutely necessary.
Document Everything: Make sure you keep all documentation related to the incident, including the police report, pictures of the damage, and any communication with the witness. This will help support your claim.
Communicate with Your Insurance: Even if you decide to go through the other driver’s insurance, it might be a good idea to inform your own insurance company about the incident. They can provide guidance on your claim and any potential implications. Just be clear that you’re not filing a claim with them but want to keep them informed.
Review Your Policy: Check your insurance policy to see how claims are handled and the potential impact on your rates. Some policies have protections against rate increases for not-at-fault accidents.
Consider Risks and Benefits: If you do choose to go through your own insurance company, ask them how this might affect your premiums. They may be able to reassure you that your rates won’t be impacted.
In Texas, as in many states, the at-fault party’s insurance should cover the damages if you have all the necessary information, so it’s often worth pursuing that route first. Good luck, and I hope your car gets fixed soon!