Will my insurance go up if someone hits me Florida?
Asked by: Dr. Kenny McClure MD | Last update: December 22, 2025Score: 5/5 (49 votes)
How does car insurance work when you are not at fault in Florida?
Conclusion. The No-Fault Law in Florida means that all motorists are covered against personal injury damages of up to $10,000 under the minimums required in the state of Florida.
Will my insurance go high if someone hits me?
Yes your insurance will likely go up, because who at fault is irrelevant. It's about frequency. If you have claim events and cost the insurance company money to insure and protect you, regardless of whether you are a cause or a victim, you should expect your auto insurance to increase.
Will my insurance go up if it was someone else's fault?
I work for an insurance company, and FYI, anytime your insurance pays out on a claim for you, your rates WILL go up, regardless of fault. And when you ARE deemed at fault, which you were here, the rate will go up even more. You are now a higher risk for them. So this makes sense.
What happens if someone hits my car in Florida?
If someone hits your parked car and drives away without leaving any contact information, then the accident could be considered a hit-and-run crime. Under Florida Statute 316.065, drivers are required by law to report if it caused more than $500 in damages.
Does Your Car Insurance Go Up If Someone Hits You? | The Barnes Firm
Does my insurance go up if someone hits me Florida?
Will my car insurance increase if someone hits me in Florida? Generally, your car insurance will not go up after a claim that is not your fault in Florida. This is according to Florida Statutes §626.9541(1)(g)3).
Can your insurance go up if you're not at fault?
Some may raise your premiums by 10 percent, while others may charge you only 2 percent more. In addition, certain states, such as California and Oklahoma, don't allow insurance companies to increase rates after a non-fault claim.
Does someone hitting you make your insurance go up?
Rate increases will go up even more if there are injuries and property damage. If you are not at fault, however, the rate increase is less severe. On average, drivers who are not at fault will only have their rates go up by about 4%.
Should I file a claim if I'm not at fault?
Always File a Claim, Regardless of Who Was At-Fault
One of the primary questions we receive from clients who have been in an accident is whether they should report the accident to their own auto insurance carrier, particularly when the accident was not their fault. And the answer to that question is: always.
Do I give my insurance to someone who hit me?
Yes, you do have to exchange insurance information with the other party involved in the accident. This is a customary procedure that ensures both parties can file claims and have their damages covered. After the collision, make sure to call the police to document the incident officially.
Do I lose my excess if someone hits me?
Paying excess for a car accident that isn't your fault
If your insurance company have dealt with the claim, they should claim the excess back for you. If you have a no fault accident, a credit hire company can also make a claim on your behalf.
How long does an accident stay on your insurance in Florida?
How Long Will My Insurance Rates Be Affected? If you were determined to be at fault for an accident, the resulting points that were added to your license will typically remain on your record for 3-5 years.
Do I have to pay my deductible if someone hits me in Florida?
Generally, you are responsible for your insurance deductible when you file a claim. This includes claims based on your personal injury protection (PIP) insurance coverage after a Florida crash.
Who pays for car damage in a no-fault state in Florida?
When You Can Sue in a No-Fault State? In Florida, a no-fault insurance system means each driver's own insurance covers their car damage and medical expenses, regardless of who caused the accident. However, this does not mean you can never sue the other driver.
What happens after a car accident not your fault in Florida?
Due to Florida's no-fault laws, your insurance will pay for your auto repair after an accident you did not cause in Florida. However, if the costs of damages exceed your policy limits, you may qualify to recover additional compensation elsewhere.
How does car insurance work if someone hits you?
Collision coverage typically helps pay to repair or replace your vehicle if it's hit by another vehicle (or if you hit another vehicle or object), regardless of who is at fault. Even if you cannot find the other driver, you may be able to file a claim under your own auto insurance policy's collision coverage.
Will my insurance go up if I get hit by an uninsured driver?
However, under California's proposition 103, insurance companies are not allowed to raise rates or drop a person because they made an uninsured motorist claim.
Will my insurance go up if I hit my own car?
If you file a claim for damaging your own car, your insurance rate may increase when you renew your policy.
Will my insurance go up if I file a claim?
Insurance claims can cause your insurance rate to increase for a temporary amount of time, typically three to five years.
How long does an accident stay on your record?
In California, accidents typically stay on your driving record for a period of three years from the date of the accident. During this time, the accident will be considered a public record and, therefore, accessible by insurance companies, potential employers, and law enforcement agencies.
What happens if no one is at fault in an accident?
But what will happen if no one is at fault for your car accident? You can always file a no-fault car insurance claim. The insurance provider will compensate the policyholder and its passengers for the cost of minor injuries and loss of income regardless of who caused the accident.
Do I have to tell new insurance about an accident?
When you get a car insurance quote, you are typically asked to disclose any recent accidents or traffic violations you previously had. A pending or open claim with your current insurer could jeopardize your ability to get coverage with a new company until that claim is resolved.
Does reporting an accident affect insurance?
It's only when you file a claim that you may face a rate adjustment. By reporting the accident, you'll be covered if the damage or injuries are significant but if you don't need to make a claim, you've risked nothing.
Do you need a police report to file an insurance claim hit and run?
If no one was injured in the accident and property damage is minor: You have no legal obligation to report the accident to the police under California law. However, filing a police report is still in your best interest if you plan to file an insurance claim for any property damage sustained in the collision.