It doesn’t happen to everyone but there are times when we have to deal with hit-and-run accidents. Something many people ask themselves during these collisions, though, is whether or not their insurance company will cover them after a hit-and-run.
To show Plainfield, Indianapolis, Fishers, and Bloomington drivers what they can do in these collisions, Andy Mohr Collision Center has explored hit-and-run accidents. Read more to learn what you can do to get insurance coverage after a hit-and-run collision.
Will My Insurance Cover a Hit-and-Run?
If you find yourself in a hit-and-run accident, whether or not you have insurance coverage can depend. It really has to do with the way that insurance coverage typically works and what type of coverage you have.
Some drivers choose to go with the basic, legally mandatory liability insurance. This insurance is just meant to cover any damages that were incurred on the car or body of the other driver. Essentially, liability insurance protects you by providing money to the other party, so both parties are satisfied.
What liability insurance doesn’t do is cover your car’s repairs. Typically, if all you’re using is liability insurance, you would work through the insurance of the other driver. However, since the other driver left the scene, you won’t receive any liability coverage from them.
This is where alternative coverage types come into play for insurance companies. Many insurance companies offer coverage that will protect your vehicle under certain conditions, which is where you want to look for protection against hit-and-run accidents.
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How to Receive Coverage for Hit-and-Run Accidents
In order to receive coverage for a hit-and-run accident, the first coverage type you should look into is collision coverage. Collision coverage is additional coverage that can be added to your vehicle that pays for repairs after a deductible has been met.
In many cases, the deductible of your collision coverage can be customized to meet your needs. Generally, a higher deductible means a lower insurance premium and a lower deductible means a higher insurance premium.
Alternatively, drivers have the option to upgrade their insurance coverage with available Uninsured Motorist coverage. In many cases, uninsured motorist coverage offers two versions: Uninsured Motorist Property Damage and Uninsured Motorist Bodily Injury.
What these two options do is offer insured drivers some coverage in the event that the other driver isn’t insured. In the event of a hit-and-run, the other driver is considered uninsured until they come forward about being responsible for the accident. With this coverage, you’re provided some protection in the event that a motorist can’t provide insurance.
Schedule Service Through Our Collision Center
Finding yourself in the middle of a hit-and-run collision can raise a lot of questions on how coverage will work. However, there are many ways you can prepare yourself with proper coverage, so you’re always insured no matter what.
If you’ve recently been in a hit-and-run accident in the Plainfield, Indianapolis, Fisher, or Bloomington areas, we can help you get your car in great shape again. Simply schedule a service appointment with us at Andy Mohr Collision Center today!
