If you are hit by an uninsured driver, will your collision insurance cover repairs without an increase in premium costs?

Collision insurance typically covers damages to your vehicle caused by an accident, regardless of whether the other driver is insured or not. If you are hit by an uninsured driver, your collision coverage will generally pay for the necessary repairs to your vehicle. However, it's important to understand that while the collision insurance provides the immediate financial relief for repairs, many insurance companies may raise your premium after a claim, especially if you are found at fault or if there is a pattern of claims.

Therefore, while you may receive the coverage for repairs, the assertion that there will be no increase in premium costs may not hold true in all cases. Ultimately, the specific impact on your premium will depend on your insurance provider’s policies, your driving history, and the circumstances of the accident. This means that while collision coverage will take care of the repair costs, the long-term implications on premiums can vary.