I'm still having problems with getting on. It won't let me access the site because it's personal data storage and backup. I'll email you because it would be great to put this powerpoint presentation up for others. Thanks for offering.

A hit-and-run accident with no suspect counts as a claim against your comprehensive coverage and will affect your rates. Any claim where you are ruled 0% at-fault will go under DCPD coverage and does not affect your rate. In RI's case, insurance would have covered under DCPD if he had witnessed the collision, taken down the plate, and filed a police report (the police report isn't completely necessary, but it does help the process). Without any identifying information, the claim goes under comprehensive and does affect rates.

As for reporting minor collisions, it's tricky. I don't think you are legally obligated to report them to your insurance company, though you do have to adhere to what is set out in your policy. The tricky part is if the other party decides to report it. Their insurance company will contact yours, which will have no record of a collision. This makes it very easy to claim that you were 100% at-fault, and may even be grounds for cancellation depending on the company.

Squishy wrote:

A hit-and-run accident with no suspect counts as a claim against your comprehensive coverage and will affect your rates. Any claim where you are ruled 0% at-fault will go under DCPD coverage and does not affect your rate. In RI's case, insurance would have covered under DCPD if he had witnessed the collision, taken down the plate, and filed a police report (the police report isn't completely necessary, but it does help the process). Without any identifying information, the claim goes under comprehensive and does affect rates.

Bit of a late reply from me... but thanks for clearing that up, Squishy. Anyway, the auto body shop did a good job on the repairs and it looks like a brand new car.