Does Car Insurance Cover Hit-and-Run Accidents?

 

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How Do I Get Coverage After a Hit-and-Run Accident?

During a typical collision, you would stop on the side of the road and exchange information with the other driver. It’s important to make sure you have the insurance information of the other driver in order to receive coverage. However, if you don’t have any insurance information to show, you won’t be able to receive traditional collision coverage.

However, there are methods for drivers to prepare for hit-and-run accidents by properly configuring their insurance. If you don’t have access to the insurance information of the other driver, you can look to uninsured driver insurance. This optional insurance is designed for cases where a driver has no insurance, so it can help after a hit and run.

You can also look to other coverage options to help you. Medical payments coverage and personal injury protection (PIP) can each help with medical bills after a hit and run. These coverage options may even cover both the driver and the passengers, so you have comprehensive care for everyone involved.

Do I Need to Pay a Deductible After a Hit-and-Run Accident?

With a hit-and-run accident, whether or not you pay a deductible depends on the nature of the collision, as well as what insurance coverage you’re making a claim under. In most cases, if you’ve been in a hit and run and you’re filing a claim for uninsured motorist bodily injury coverage, you won’t need to pay a deductible.

However, if you’re seeking to file a claim using collision coverage, you may need to pay a deductible. The same goes for if you’re making multiple claims over multiple coverage options, then multiple deductibles will need to be paid.

What to Do After a Hit-and-Run Accident

It’s not surprising for a hit and run to leave a person a bit unsure of where to go from there. The first step is to seek the assistance of the police as soon as possible. With the help of the police, they can work to create a police report, piece together what happened, and potentially track down the driver who performed the hit and run. Some of the things that can help police find the other driver include:

• Details on the appearance of the car and its driver
• The direction the other car came from
• Any witnesses in the area
• Surveillance footage from surrounding buildings

 

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