Does car insurance cover a hit-and-run?
If you're wondering whether or not car insurance covers a hit-and-run, know that you need collision or uninsured motorist coverage to be covered. However, filing a hit-and-run collision claim will raise your insurance rates significantly. An uninsured motorist claim will not raise your rate as high. Make sure to take photos of the damages to ensure your hit-and-run insurance claim is approved.
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UPDATED: Jul 11, 2021
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- Uninsured motorist coverage and collision coverage will cover a hit-and-run.
- Collision claims will raise your rates more than uninsured motorist claims.
- Take photos of the accident and file a police report to make sure your claim is approved.
Hit-and-runs can happen to anybody. It doesn’t matter if you’re parked outside your office or even in your driveway. If you’ve been involved in a hit-and-run, you’re probably wondering “does car insurance cover a hit-and-run?”
Fortunately, if you have collision or uninsured motorist coverage (UMC), you should be covered. Not all policies are the same though, so make sure to compare car insurance rates from multiple companies to find the best deal.
Keep reading below to learn what to do after a hit-and-run, the difference between collision and UMC, and how a hit-and-run can affect your insurance.
But before you do, enter your ZIP code into our free comparison tool above to find affordable hit-and-run car insurance near you.
What do I do after a hit-and-run?
First, if you’ve been in a hit-and-run and you’ve seen the car that damaged your car, try to remember as many details as you can about the vehicle. A license plate number or even the make, model, and color of the vehicle will be important.
After you’ve made sure you’re safe and are free of the vehicle, take pictures of the damage. These will be essential in proving your claim and helping the insurance company assess the extent of the damage.
You should file a police report as soon as possible.
After you’ve taken pictures of the accident and filed a police report, call your insurance company and provide both the photos and the police report. They’ll help you file a claim right away.
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What’s the difference between collision and uninsured motorist coverage?
Collision coverage insures you for any damages that occur to your vehicle in a car accident regardless of who is at fault. As you can see, with collision coverage, you’re insured whether you’re driving your car or simply have it sitting in your driveway.
If you can find the person who hit your car, their liability insurance should take care of the damages for you. However, not all motorists are insured. According to the Insurance Information Institute, 12.6% of motorists, or about one in eight drivers, were uninsured in 2019.
In this case, uninsured motorist coverage (UMC) will help pay for any damages caused to your vehicle by an uninsured driver. We’ll go over why this type of insurance is important in the next section.
How does a hit-and-run affect your insurance?
So how does a hit-and-run affect your insurance? You’re probably wondering, “will a hit-and-run claim raise my insurance?” Or perhaps you’re asking yourself, “my car was hit while parked, will my insurance go up?”
This is where the difference between collision and UMC insurance coverage is important. With collision insurance, your damages will be covered. But if you file a collision claim you’ll likely see a significant hike in your monthly rate.
On the other hand, if you file a UMC claim after a hit-and-run, you’ll still be covered for the damages and you won’t see as high of a spike in your rate. The difference is that one claim saves you more on your monthly rate.
It’s important to compare hit-and-run car insurance quotes from multiple companies before you buy. In some cases, you may end up paying more for UMC per month than it would save you after a hit-and-run, so compare at least three car insurance companies to find the best deal.
Now that you know when car insurance covers a hit-and-run, start shopping for coverage today. Enter your ZIP code into our free comparison tool below to buy hit-and-run car insurance coverage from providers in your area.