Insurance rates rise when an accident is your fault. An uninsured motorist case or hit and run case is not considered an at fault claim. In most states, your insurance premiums will go up if you cause an accident. This is considered an at fault accident. If you are hit by an uninsured motorist, the accident is not your fault. Because of this, making an uninsured motorist claim will not increase your insurance premium. Part of the insurance premium you pay goes to uninsured motorist coverage. You are paying for this coverage and you should use it if you are in an accident with an uninsured motorist or hit and run driver. It will not cause your insurance premium to go up.