Hit and Run Accident
My car was recently hit in a parking lot in a hit-and-run. If I report this to my insurance am I responsible for a deductible? Will the incident be included on my motor vehicle record and be considered a claim and therefore an accident, increasing my premiums?
In all likelihood, the answer is "yes" to both your questions. In many cases, if the damage is minimal, you could be better off having the repairs done yourself without reporting to your insurance company.