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Q

How long does a hit and run affect insurance?


A

It will probably effect you differently depending on if you put in a claim due to a hit and run damaging your car or if you were the one that did the hitting and running. If it was the latter it will depend on your state laws to how long this violation will stay on your driving record. Since this is a serious offense it usually stays on your MVR for a period of 5 to 7 years.

This will affect your insurance rates as long as it is part of your record with most insurance companies. If you put in a claim due to this it will probably depend on how substanial the damage was and how much the claim was for. Either way you can contact your state's insurance regulatory body to find out how your insurance company does their rates since they are required to file their rates and rules with this entity.


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