In an event of a car accident, it is common for all parties involved to pull over and exchange insurance information. However, that is not always the case, and in some occasions you will have the driver at fault drive away. If this happens, chances are that you are asking yourself if your policy covers hit and runs. Let’s review what would be covered in this scenario.
When it comes down to hit and run accidents, they do tend to be more common than you might think. A test was done by AAA, and the results showed that more than one hit and run accident occurs each minute in the United States averaging about 682,000 accidents related to hit and run crashes every year. For a time like this, it is important to know if you are covered by your provider for a hit and run accident.
Does auto insurance cover hit and runs?
When involved in a hit and run accident, your provider will most likely cover you assuming that you are insured with both collision and uninsured/underinsured motorist coverage. When looking into the coverage, ensure that you fully read the policy and see that you would be covered against one of these accidents. In a typical mishap where the two drivers stop, the driver who caused the mishap is the one who’s coverage would be put into effect to cover the damages.
It is important to note that there is no at-fault in a hit and run. Even if you are responsible for the accident but the other driver drives off, then they are not eligible to take advantage of coverages provided under your insurance. In a situation like this, uninsured/underinsured motorist coverage will come into effect.
When talking about uninsured/underinsured, then we are talking about a coverage that is considered a no-fault coverage. With this specific type of coverage, you are covered in case you are in an accident in which the other driver is uninsured, or does not have sufficient coverage to provide for your damages that were caused by the other party. In the event of a hit and run, this certain type of coverage would cover the damages that were caused to your vehicle, and would take care of any medical expenses as well.
What to do after a hit and run
First things first, you want to ensure that you call the police. Check for any possible injuries that may be caused to you or any passengers involved. Even for the smallest crash, ensure that you call the police so that you can report the accident to them. When the police arrive, provide as much descriptive detail to them about the other driver as possible. If you remember the type of car that it was, the color, the plate number if you remember it, or even partially. Other important details are also remembering the time of the incident, and being specific about where exactly the accident occurred. Remember, every key detail that you can provide to the officers is crucially important. After the incident, take as many pictures and videos as possible, and record everything that you can around the scene. If anyone in the vehicle is in need of medical assistance, record that as well, document it on video as well. The last important step to take is to contact your insurance provider. Call them, inform them of the accident and give them as much details as possible. You will be able to send your provider pictures of the accident to show them more details of the car.
Searching for the insurance provider that can provide the best coverage for you can be difficult, but thankfully with Quotehound it does not have to be. Quotehound takes care of all the heavy lifting so that you do not have to. Quotehound will offer budget-friendly prices by comparing several companies at once it will allow you to choose what’s best for your budget. We are fast and efficient in connecting you with the right provider. Some companies take 15 minutes. It only takes 2 minutes to enter your information and receive a quote with Quotehound. We care about finding the best insurance option for you and your needs which is why we always connect you to the best option. Why wait any longer? Make the right call today and allow our team to find the right provider for you.