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wrenchindaddy802 t1_jae6je1 wrote

Reply to comment by jsudarskyvt in SHAGUAR on the prowl by somewhere_in_VT

Doesn't mean they can't raise your rates. I had someone dip from a small fender bender recently, either one of us could have been determined to be at fault, but they didn't stick around long enough to figure out. I considered filing a claim to get the rear quarter repainted, but a quick Google search yielded the result that the average "uninsured motorist" claim adds 10 percent to your annual bill. I think I'll just keep looking at the scuff.

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jsudarskyvt t1_jae80vb wrote

OP has the license plate of the person that did the damages. That plus the police report will ensure the asshole that did the damages or their insurer pays. And yes, their rates will probably rise. Deservedly so.

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wrenchindaddy802 t1_jae894n wrote

Assuming you can prove it, otherwise it will be covered under uninsured motorist, which will raise your rates. Something to think about.

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jsudarskyvt t1_jae8nm1 wrote

Maybe if your insurer is one of the biggies. Why I use a local company. When the same thing happened to me my rates did not rise.

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