Do insurance companies cover hit-and-run accidents?
"I have uninsured motorist coverage, would this cover hit and runs? Would I be covered in any vehicle or just my own?"
“In most cases, car insurance policies follow the vehicle and not the driver. This means that you would only have coverage for any vehicle listed on your policy.
Whether your uninsured motorist coverage will cover a hit and run depends on your policy. Typically an insurance company needs to verify that a driver is actually uninsured or underinsured for the coverage to apply.
Most hit and runs are covered by either comprehensive insurance or collision insurance. These protect your vehicle from damage if you’re at fault or fault can’t be determined.
If you don’t have full coverage on your vehicle, you should consider filing a police report. They may be able to track down the driver. If they can, either your insurance or the other driver’s insurance may cover the damage.”
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Browse by topics
What others are asking
Do car insurance rates go up if you get a traffic ticket?
"I'm 20 and got a ticket for running a stop sign. I'm still on my parents' insurance and they're concerned their rates will go up. How quickly does that happen?"
Jul 27, 2021
What do I do if my car was broken into?
"My car was broken into at a friend's house. My passenger window was shattered, but they didn't take anything. Can I file a claim with my insurance?"
Jul 27, 2021