Expert: Richard Hixenbaugh - 11/2/2009

Question
Hello,

I live in Michigan and my wife's van was hit while parked in a parking lot at a local store. The driver of the other vehicle did not leave any information so basically this is a hit and run accident.  The damage is fairly minor (scratched paint, some minor denting, damaged door handles, etc.) I am wondering if we should file a claim with our insurance company?  I am not sure if this is considered a collision or a comprehensive claim and I want to make sure that if I file a claim I am not going to get hammer with increased rates.  We just want the van fixed but need to know the best way to handle this.

Answer
Hi Don,

This would be considered a collision claim and may cause your rates to go up at renewal. You should first go to a body shop to get an estimate of the cost of repairs. Understanding that you will have to pay your deductible anyway, you can then make a decision if it is worth filing a claim.

I hope this helps
Richard Hixenbaugh