Car accidents can be scary. They are even scarier if the other driver runs away. This is called a hit-and-run. You might wonder if your car insurance covers this. Let’s find out.
What is a Hit-And-Run?
A hit-and-run happens when a driver hits your car and leaves. They do not give you their name or insurance details. This is against the law. It can make things very hard for you.
Credit: bernsteininjurylaw.com
Types of Car Insurance
Car insurance comes in different types. Not all of them cover hit-and-runs. Here are the main types:
| Type of Insurance | Covers Hit-And-Run? |
|---|---|
| Liability Insurance | No |
| Collision Insurance | Yes |
| Uninsured Motorist Coverage | Yes |
| Comprehensive Insurance | No |
Liability Insurance
Liability insurance is the most basic type. It only covers damage you cause to others. It does not cover your car. So, it does not help in a hit-and-run.
Collision Insurance
Collision insurance covers damage to your car. It does not matter who is at fault. This means it can cover hit-and-runs. But, you might have to pay a deductible first.
Uninsured Motorist Coverage
Uninsured motorist coverage is very helpful. It covers you if the other driver has no insurance. It can also help in hit-and-runs. This is because the other driver is unknown. It is like they have no insurance.
Comprehensive Insurance
Comprehensive insurance covers things like theft, fire, and natural disasters. It does not cover accidents. So, it does not help with hit-and-runs.
What To Do After a Hit-And-Run
If you are in a hit-and-run, you need to act fast. Here are the steps you should take:
- Stay calm and do not chase the other driver.
- Try to get the license plate number.
- Look for witnesses and ask for their contact details.
- Take pictures of the scene and the damage to your car.
- Call the police and file a report.
- Contact your insurance company and tell them what happened.
Filing a Claim
Filing a claim after a hit-and-run can be tricky. You will need to provide your insurance company with as much information as possible. Here is what you should do:
- Give them the police report number.
- Provide any pictures and witness information.
- Explain what happened in detail.
- Follow their instructions for getting your car fixed.
Preventing Hit-And-Runs
While you cannot control other drivers, you can take steps to protect yourself. Here are some tips to help prevent hit-and-runs:
- Park in well-lit areas.
- Use a dashcam to record your drive.
- Always stay alert and drive defensively.
- Keep your car in good condition to avoid breakdowns.
Credit: www.progressive.com
Frequently Asked Questions
Does Car Insurance Cover Hit-and-runs?
Yes, comprehensive coverage typically includes hit-and-runs. Check your policy details for specific coverage.
What Should I Do After A Hit-and-run?
Immediately report the incident to the police and inform your insurance company. Document any evidence if possible.
Which Car Insurance Covers Hit-and-runs?
Uninsured motorist coverage often covers hit-and-runs. Review your policy to ensure you have this coverage.
How To File A Hit-and-run Claim?
Contact your insurance provider, provide necessary documentation, and follow their instructions to process your claim efficiently.
Is Hit-and-run A Comprehensive Claim?
Yes, hit-and-run incidents generally fall under comprehensive coverage. Verify with your insurer for confirmation.
Conclusion
Hit-and-runs are stressful and scary. But, the right insurance can help. Make sure you understand your coverage. Talk to your insurance agent if you are unsure. Stay safe on the road!
If you liked this article, please share it with your friends. They might find it helpful too. Thank you for reading!