[iggyntangs]

Just a quick question:

If you're the victim of being in a hit and run, i.e. you discover your parked vehicle hours later of being hit and the mirror being torn off, in terms of auto insurance what's the law in AB?

I know in Ontario, if this happens and you make a claim through insurance you pay the deductible and your premiums will not go up.

Is it the same in AB, or is it just dependent on your coverage/insurance company?

I just want to know if it'll be cheaper for me to pay for it out of pocket or pay the deductible which is hundreds of dollars cheaper (and am scared to call my insurance company to find out and then them formalizing a claim and raising my insurance)?

Of note I've made no claims through my insurance company before, only had it for 1 year only been driving for 1 year and have no accidents/tickets/demerits whatsoever.

Thanks in advance CP faithful.