Reader’s Question:

My car was parked in Metairie, LA and was hit but there were no witnesses and no one admitted to hitting my vehicle. I want to know if my car insurance will cover the damage to my car and if this will increase my car insurance rate? I live in the state of Louisiana.

Jonas

Metairie, LA

Normally, this hit and run claim would be place through your collision coverage since neither the at-fault party nor car was found. You would have to obtain specifics about your car insurance company’s rating system from your car insurance agent, but since you were not at-fault in Metairie Louisiana normally you would not have your car insurance rates raised due to a claim to fix your vehicle.

To know more about your insurance provider’s specific rating system that they have filed with the state of Louisiana you should be able to ask your insurance broker or agent and / or contact the LA Department of Insurance. Just speaking to your car insurance agent about their rating system and the possibility of making a claim to repair the damages from the hit and run incident should not affect your car insurance rates in any way.

Tags: autos, car insurance rate