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Auto Insurance Coverage for My Car Damaged in a Hit-and-Run

A hit-and-run occurs when after a collision the at-fault driver flees the scene without stopping to check for injuries or damage they may have caused or sharing personal information such as their contact number and insurance details with the other motorists. Hit-and-runs happen frequently, so you should know whether your car insurance will provide the necessary coverage if you are a victim.

Will I Get Car Insurance Coverage for Hit-and-Run?

If the driver who caused the accident cannot be identified, you may have to depend on your car insurance coverage for the accident-related expenses. If you have the following coverages, your insurance provider may pay for any injuries you may have suffered or for the damage to your vehicle, but only to your coverage limit.

  • Collision coverage

    It covers damages to your car regardless of who is at fault. The coverage may be able to cover the losses incurred.

  • Medical payments coverage (MedPay)

    It covers your medical costs due to an accident regardless of who is at fault. You may file a claim to recover your costs but this coverage is not available in all states.

  • Personal injury protection (PIP)

    It covers medical expenses, lost income, and other injury-related expenses that you may have after an accident, regardless of who the at-fault driver is. However, while many states have made it mandatory for you to have PIP, in some states, it is optional coverage. Also, there are a few states where PIP coverage is not available.

  • Uninsured Motorist Coverage

    It covers the damage to your car caused in an accident where the at-fault driver has no insurance. You may be allowed to use it to cover expenses caused by a hit-and-run. However, the coverage is not available in all the states, and also, in some states where it is available, you cannot use it for hit-and-run cases.

Is Paying a Deductible Essential for Hit-and-Run Insurance Claim?

Paying a deductible depends on the type of coverage you may need to cover the expenses that you incur due to the hit-and-run. You may have to pay a deductible if your car is damaged and you file a claim on your collision coverage. If you live in a state where you have access to uninsured motorist coverage for a hit-and-run, you may not have to pay a deductible for the coverage.

To receive compensation for the medical bills and car repair costs, if you file a claim on more than one coverage, in this case, you may have to pay multiple deductibles depending on the number of claims.

Impact of Hit-and-Runs on My Insurance Cost

Every claim that you make on your car insurance gets added to your insurance record and that includes claims for a hit-and-run. Whether your insurance provider will increase your insurance costs depends on the frequency of your claims.

Liability Coverage for Hit-and-Run

Liability coverage covers expenses for injuries and damages when you are at fault. If you are a victim in a hit-and-run, your liability coverage may not cover the costs.

Get Assured Coverage for Your Vehicle with McCarty Insurance

If you need further information on automobile insurance coverage for maximum protection, contact our team today. At McCarty Insurance, we have got a team of auto insurance experts who can provide insurance policies catering to your specific needs.


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