Hit & run accidents are all too common, so if it happens to your vehicle, it helps to know what type of insurance protection your policy offers against a hit-and-run before an accident occurs. Now is a good time to check your policy and see what coverage you have.
Typically in a hit-and-run the at-fault driver flees the scene and is never caught, so the other driver's insurance won't help pay your claim. If the hit-and-run driver is located, the at-fault driver’s auto liability coverage helps to pay for repairs. You cannot make a claim for a hit-and-run on your own liability insurance.
Auto liability insurance does not cover your car repairs or medical expenses. Liability coverage helps to pay for someone else's expenses if you cause a car accident that injures them or damages their property.
When you're vehicle is damaged in a hit-and-run accident you may be able to make a claim on your own auto insurance policy if you have the right type of coverage.
If you're hurt or your vehicle is damaged in a hit-and-run, you can make a claim on your own auto insurance policy if you carry collision, uninsured motorist-bodily injury coverage or uninsured motorist property damage.
With collision insurance a deductible may apply and keep in mind that each of these coverages have a limit, which is the maximum amount your policy will pay for a claim. You may have to pay out of pocket for any expenses that exceed your coverage limits.
Classy Chassis Body Shop
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7 Houk Lane