Does Car Insurance Include Hit-and-Run Coverage?

Being involved in a car accident is always stressful, but when the other driver flees the scene, it can be even more overwhelming. Hit-and-run incidents leave drivers with a myriad of questions, one of the most pressing being whether their car insurance covers the damages. Let’s explore the types of coverage that may protect you in the event of a hit-and-run and what steps you should take after such an incident.

Understanding Hit and Run Coverage

A hit-and-run occurs when a driver involved in an accident leaves the scene without providing their contact information or offering assistance. This type of incident can leave you in a difficult position, especially if you don’t have the proper insurance coverage. Fortunately, some car insurance policies include provisions that can help cover the costs associated with a hit-and-run.

Uninsured Motorist Coverage

Uninsured motorist (UM) coverage is one of the most crucial types of insurance you can have in the event of a hit-and-run. This coverage is designed to protect you if the at-fault driver is uninsured or if you’re unable to identify them – such as in a hit-and-run situation. UM coverage typically includes bodily injury and property damage components.

Collision Coverage

Collision coverage is another option that can protect you after a hit-and-run. This type of coverage pays for the repair or replacement of your vehicle, regardless of who is at fault. If you’re involved in a hit-and-run, your collision coverage can help cover the damages to your car. However, remember that you’ll be responsible for paying the deductible before your insurance kicks in. Collision coverage is particularly valuable because it ensures your vehicle can be repaired quickly, even if the at-fault driver is never found.

Medical Payments Coverage

Medical payments (MedPay) coverage can also be beneficial in the aftermath of a hit-and-run. MedPay helps cover medical expenses for you and your passengers, regardless of who is at fault. This coverage is often used to supplement health insurance and can provide relief, knowing that medical bills will be taken care of after an accident.

Steps to Take After a Hit-and-Run

If you find yourself the victim of a hit-and-run, it’s important to take the following steps:

Stay Calm and Stay Safe: Move your vehicle to a safe location, if possible, and ensure that you and your passengers are out of harm’s way.
Document the Scene: Gather as much information as possible, including the time, location, and any details about the other vehicle or driver. If there are witnesses, ask for their contact information.
Contact the Police: Report the hit-and-run to the police immediately. A police report is essential for filing an insurance claim.
Notify Your Insurance Company: Contact your insurance company as soon as possible to report the incident and begin the claims process.

Get Comprehensive Hit-and-Run Coverage with Us

Being involved in a hit-and-run can be a daunting experience, but having the right insurance coverage can make all the difference. Uninsured motorist coverage, collision coverage, and medical payments coverage are key components that can protect you in the event of a hit and run. If you’re unsure whether your current policy includes hit-and-run coverage or if you want to explore additional options, contact us at Abbate Insurance Associates Inc. today. We’re here to help you ensure that you’re fully protected on the road. Call us at (203) 777-7229 for a quick consultation.