What Is the Function of Auto Insurance in Hit-and-Run Accidents?

Hit-and-run accidents can be distressing and confusing. Understanding how your policy works in these situations can help you navigate the aftermath.

What Is a Hit-and-Run Accident?

A hit-and-run accident is when a driver involved in a collision leaves the scene without providing their contact information or assisting the other parties involved. This can be particularly frustrating because the driver left at the scene of the accident is left to deal with the consequences.

How Does Auto Insurance Work in Hit-and-Run Scenarios? 

Auto insurance coverage may serve as a financial safety net if you’re involved in a hit-and-run accident. Several policies may help cover accident-related costs, including the following:

• Uninsured motorist (UM) coverage may help protect you when you’re in an accident with a driver who either doesn’t have insurance or whose insurance coverage is insufficient to cover the damage. If the at-fault driver flees and cannot be identified, you can file a claim under your UM coverage. This type of coverage may help pay for medical expenses, lost wages and, in some cases, property damage, depending on your state’s laws.

• Collision coverage may help pay for damage to your vehicle after a collision, regardless of who is at fault. If the hit-and-run accident results in damage to your car, your collision coverage may help cover the repair costs.

• Comprehensive coverage may help protect against damage to your vehicle not caused by collisions, such as theft, vandalism or natural disasters. While less directly related to hit-and-run accidents, comprehensive coverage could be relevant if the incident involved damage not immediately linked to a collision (e.g., if the accident involved some form of vandalism or criminal activity).

• Personal injury protection (PIP) and medical payments (MedPay) may help cover medical expenses if you or your passengers are injured in a hit-and-run accident. PIP and MedPay availability varies by state. Florida drivers are required to carry minimum amounts of PIP coverage.

How to Get Auto Insurance in Bartow, FL

Contact Anzar Insurance Group LLC in Bartow, Florida, for auto insurance coverage tailored to meet your unique needs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.