Hit-and-run accidents can be stressful and costly. If another driver hits your car and leaves the scene without providing insurance information, you may wonder whether your car insurance will cover the damages. The answer depends on your policy and the coverage you have.
Uninsured Motorist (UM) Coverage
Many insurance policies include Uninsured Motorist coverage, which can help protect you in hit-and-run situations. Since the at-fault driver cannot be identified or lacks insurance, UM coverage may pay for:
- Medical bills for you and your passengers
- Car repairs or replacement costs (depending on your policy)
Collision Coverage
If you have collision insurance, it can also cover damages from a hit-and-run accident, regardless of fault. This means your insurance company will pay to repair or replace your car, though you may need to pay your deductible first.
Reporting Requirements
To file a claim, you typically must:
- Report the accident to the police immediately
- Provide your insurance company with all details, including time, location, and any witnesses
- Submit photos or documentation of the damage
Key Takeaways
- Hit-and-run accidents can be covered under Uninsured Motorist or Collision coverage, depending on your policy.
- Always report the accident to law enforcement as soon as possible.
- Review your insurance policy to understand what coverage you have and whether additional coverage, like UM, is recommended.
Having the right coverage ensures that even in a hit-and-run, you’re protected and your expenses are minimized.
