How Auto Insurance Covers Hit-and-Run Accidents

Getting into an accident is a scary experience, but it's even worse when the other driver leaves the scene. Hit-and-run accidents can leave you feeling helpless and unsure of what to do next. That's why it's important to know how your auto insurance can protect you in these situations.

What is a hit-and-run accident?

A hit-and-run accident is when a driver collides with your vehicle and leaves the scene without providing their identification, insurance information, or rendering aid to anyone who may have been injured. Hit-and-run accidents can be a result of reckless driving, drunk driving, or even stolen vehicles.

Do I have coverage for hit-and-run accidents?

Most auto insurance policies do provide coverage for hit-and-run accidents, but it may depend on the specific details of your policy. Liability coverage usually applies if you are involved in a hit-and-run accident as a victim. This means that if the other driver is at fault but cannot be identified or located, your liability coverage can help cover any damages to your vehicle or personal injuries.

What does my auto insurance cover in a hit-and-run accident?

In addition to liability coverage, some auto insurance policies also include uninsured motorist coverage. This can protect you in the event that the at-fault driver does not have auto insurance, or in the case of a hit-and-run accident where the other driver cannot be found. Uninsured motorist coverage can help pay for damages to your vehicle, medical expenses, and lost wages.