Yes, car insurance can provide coverage for damage caused by a hit-and-run driver. The specific coverage you need to look for is called “uninsured motorist coverage” (UM). This coverage protects you when you’re involved in an accident with a driver who leaves the scene without providing their information.
What to do after the incident?
If you’re involved in a hit-and-run accident, follow these steps:
- Gather information: Try to gather as much information as possible, including the license plate number, make and model of the other vehicle, and any details about the driver’s appearance or actions.
- Contact the authorities: Report the hit-and-run incident to the police as soon as possible. Provide them with all the information you gathered.
- Notify your insurance company: Contact your insurance provider and inform them about the hit-and-run accident. They will guide you through the claims process and provide the necessary forms and information.
Impact on insurance rates
Making a claim for a hit-and-run accident should not directly impact your insurance rates if you have uninsured motorist coverage. However, it’s important to review your policy and check with your insurance provider for specific details regarding rate adjustments.
Tips for dealing with hit-and-run incidents
To increase your chances of identifying the hit-and-run driver and protect yourself:
- Install a dashcam: Consider installing a dashcam in your vehicle to capture any evidence in the event of a hit-and-run accident.
- Seek witness accounts: If there were any witnesses to the incident, ask for their contact information. They may provide crucial details that can help identify the responsible party.
- Document the scene: Take photos of the damage to your vehicle and any relevant details at the accident scene, such as skid marks or debris. This documentation may assist with the investigation.
By having uninsured motorist coverage and following these tips, you can better protect yourself from the financial burden of a hit-and-run accident.