Will my rates go up if my car was parked, and someone hit me?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Dec 19, 2017

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Insurance Question from Marshfield, MA

Asked on 12/19/2017

Will my rates go up if my car was parked, and someone hit me? So, let's say my car is parked on the lawn of the house that I live in. Someone else that I live with put their car in reverse and just kept going back without paying attention and hit my back bumper. I've looked into some rules and found that "O. Reg. 276/90, s. 18." says that, in the situation that I am in, the other person is 100% at fault and I am not. What I am ignorant about is: will my rates still go up even if I am not at fault? I have Arbella, and even though I am not at fault at all, I want to be sure that my rates will not skyrocket if I make a claim in the next couple of days. I am a college student living in Massachusetts, and I JUST picked up and put on my license plates a few hours before the accident occurred. I am not sure if you needed that info, but just incase. Thank you and hope to hear soon!

Answer given on December 23, 2017

In most instances  if your car is struck by someone else, your rates will not be increased if you have a non fault accident especially while parked.  However, Massachusetts is a no fault state, so accidents are handled differently. Your insurance will usually be the company that will pay for the repairs, less your deductible presuming you have collision coverage on your car.  You can also ask the person who caused the accident to pay for repairs to your car, since the damage may be under your deductible, and then your insurance company will not pay for anything.  Check with your insurance agent or company to see how they will handle this situation and talk to the person who caused the damages to your car.


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