My Car Was Damaged In A Hit-And-Run. Am I Covered?

Learn how car insurance may help protect you after a hit-and-run accident and what different insurance coverages apply to property damage and personal injuries.

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My Car Was Damaged In A Hit-And-Run. Am I Covered?

A hit-and-run is an automobile accident in which the motorist purposely flees the scene without leaving contact information or stopping to assist someone who has been hurt in the collision.

Your auto insurance coverage may assist cover the cost of car repairs, transportation, medical bills, and other incident-related charges if you are injured or your vehicle is damaged in a hit-and-run.

Following any accident, the most essential thing is to ensure that everyone is safe and that the law is followed. Learn what to do following an accident, including how to file a police report and record the damage, among other things.

It’s helpful to know what protection your coverage provides against a hit-and-run before an accident. Continue reading to learn what your auto insurance normally covers and what it does not.

WILL YOU BE COVERED BY CAR INSURANCE IN THE EVENT OF A HIT-AND-RUN?

If you’re the victim of a hit-and-run, your vehicle insurance policy may pay some of your expenditures. Depending on where you reside and your condition, the following coverages may be compulsory or optional:
  • Coverage for collisions
  • Bodily harm coverage for uninsured motorists
  • Property damage coverage for uninsured motorists (not available in all states)
  • Coverage for medical expenses
  • Protection against personal harm
Remember that each of these coverages has a limit, which is the most your insurance will pay for a covered claim. Any charges that exceed your coverage limitations may have to be paid out of pocket.

Collision Coverage

Collision coverage assists with the repair of your vehicle in the event that you collide with another vehicle (or another vehicle collides with your vehicle), regardless of fault. So, whether or not the other motorist is located, you may be able to file a claim on your own auto insurance policy if you’re the victim of a hit-and-run accident.

A deductible is the amount you’ll pay out of pocket for a covered claim under collision coverage. Even if the accident was not your fault, you still pay your deductible. You may be able to collect your deductible from the at-fault driver’s insurance if the at-fault motorist is identified and has insurance.

Uninsured Motorists Bodily Injury Coverage

If you’re struck by a driver who doesn’t have insurance, uninsured motorist bodily injury coverage may help pay for your medical expenses and missed income. Uninsured motorist bodily injury coverage may also assist cover hit-and-run incidents.

A deductible is usually not required for uninsured motorist bodily injury coverage.
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Property Damage Coverage for Uninsured Motorists

If your automobile is damaged by another driver who does not have insurance, uninsured motorist property damage coverage might assist pay for the repairs. It may assist compensate for damage caused by a hit-and-run in particular situations.

However, not all states provide uninsured motorist property damage coverage. According to the Insurance Information Institute, uninsured motorist property damage does not cover hit-and-run situations in certain jurisdictions where it is provided. Talk to your insurance agent if you’re not sure what your policy covers.

A deductible is usually applied to uninsured motorist property damage coverage.

Coverage for Medical Payments

After a hit-and-run collision, medical payments coverage may assist pay for your or your passengers’ medical expenses, regardless of culpability. This coverage isn’t offered in every state.

There is usually no deductible with medical expenses coverage.

DO I HAVE TO PAY A DEDUCTIBLE IN THE EVENT OF A HIT-AND-RUN CLAIM?

The facts of the collision and the kind of automobile insurance coverage you have determine whether you pay a deductible for a hit-and-run insurance claim. You may be able to use your uninsured driver bodily injury coverage if you’re hurt in a hit-and-run. On such policy, you won’t have to pay a deductible.

You may be able to submit a claim on your collision coverage if your car is damaged in a hit-and-run. Your collision policy deductible would then be paid out of pocket.

You may be required to pay numerous deductibles if you file a claim that includes multiple coverages (for example, PIP coverage for injuries and collision coverage for automobile repairs).

DO HIT-AND-RUNS INCREASE THE COST OF YOUR INSURANCE?

If you file a hit-and-run claim on your vehicle insurance policy, it will appear on your record. Claim frequency, according to the National Association of Insurance Commissioners, might impact how much you pay for vehicle insurance.

IS A HIT-AND-RUN COVERED BY LIABILITY INSURANCE?

After a hit-and-run, your vehicle liability insurance does not cover your medical bills or automobile repairs. If you cause a vehicle accident that injures someone or destroys their property, liability coverage might assist pay for their losses.

If your automobile is struck by another car, the at-fault driver’s auto liability coverage will usually cover the costs of repairs. A hit-and-run, on the other hand, usually indicates that the at-fault motorist escapes the scene and is never apprehended. In other words, the other driver’s insurance will not contribute to the settlement of your claim. You can’t file a claim on your own motor liability insurance for a hit-and-run.

Accidents involving hit-and-run drivers may result in a significant lot of damage and misery, particularly if the offender never comes forward. If you are ever the victim of a hit-and-run, a personalized insurance policy may be able to assist safeguard your vehicle, yourself, and your passengers.

Fair Cases Law Group, Personal Injury Lawyers
5411 S. Broadway Ave, Suite 200,
Los Angeles CA 90037
833-324-7111

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Phone: (833) 324-7111

Email: [email protected]