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How Your Car Insurance Policy Handles Hit-and-Runs

Car accidents can be a stressful and overwhelming experience, especially when the other driver involved flees the scene. Hit-and-run accidents are unfortunately quite common, and they can leave victims feeling frustrated and unsure of how to proceed. In these situations, understanding how your car insurance policy handles hit-and-runs is crucial. This article will explore the various aspects of hit-and-run incidents and provide valuable insights into how insurance companies typically handle such cases.

1. Reporting the Hit-and-Run

The first step after being involved in a hit-and-run accident is to report the incident to the authorities. Contact your local police department and provide them with all the necessary details, such as the time, location, and description of the other vehicle involved. It is essential to file a police report as soon as possible, as this will serve as crucial evidence when dealing with your insurance company.

Once you have reported the hit-and-run to the police, you should also inform your insurance provider. Most insurance companies have specific procedures for reporting hit-and-run accidents, so it is important to familiarize yourself with your policy’s requirements. Failure to report the incident promptly may result in complications when filing a claim.

2. Uninsured Motorist Coverage

One of the key components of your car insurance policy that comes into play in hit-and-run accidents is uninsured motorist coverage. This coverage is designed to protect you in situations where the at-fault driver does not have insurance or cannot be identified, such as in hit-and-run incidents.

Uninsured motorist coverage typically includes two types: uninsured motorist bodily injury (UMBI) and uninsured motorist property damage (UMPD). UMBI covers medical expenses, lost wages, and pain and suffering resulting from the accident, while UMPD covers the cost of repairing or replacing your vehicle.

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It is important to note that uninsured motorist coverage is not mandatory in all states, so it may not be automatically included in your policy. However, considering the prevalence of hit-and-run accidents, it is highly recommended to add this coverage to your policy for added protection.

3. Deductibles and coverage Limits

When filing a claim for a hit-and-run accident, you will likely be subject to deductibles and coverage limits set by your insurance policy. A deductible is the amount of money you are responsible for paying out of pocket before your insurance coverage kicks in. Coverage limits, on the other hand, refer to the maximum amount your insurance company will pay for damages or injuries resulting from the accident.

It is important to review your policy to understand the deductibles and coverage limits that apply to hit-and-run accidents. Keep in mind that these amounts may differ from your regular collision or comprehensive coverage deductibles and limits. Understanding these details will help you determine the financial implications of filing a claim and whether it is worth pursuing.

4. Gathering Evidence

Since hit-and-run accidents often lack a responsible party, gathering evidence becomes crucial in order to support your claim. The more evidence you can provide to your insurance company, the stronger your case will be. Here are some key pieces of evidence to collect:

  • Photographs of the accident scene, including any damage to your vehicle and any skid marks or debris on the road.
  • Witness statements and contact information. If there were any witnesses to the accident, ask them to provide a statement and their contact information. This can help corroborate your version of events.
  • Surveillance footage. If the accident occurred in an area with surveillance cameras, try to obtain any footage that may have captured the incident.
  • Any physical evidence left behind by the other vehicle, such as paint transfer or broken parts.
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By providing solid evidence, you increase your chances of a successful claim and potentially identifying the responsible party.

In some cases, your insurance company may be able to identify the responsible party in a hit-and-run accident through their own investigation or with the help of law enforcement. When this happens, your insurance company may pursue legal action against the at-fault driver to recover the costs they have paid out on your claim. This process is known as subrogation.

Subrogation allows your insurance company to step into your shoes and seek compensation from the responsible party. If successful, the recovered funds may be used to reimburse your deductible or even lower your future premiums. However, it is important to note that subrogation can be a complex and time-consuming process, and the outcome is not guaranteed.

If your insurance company is unable to identify the responsible party or recover the costs through subrogation, you may still have the option to pursue legal action on your own. Consulting with a personal injury attorney who specializes in hit-and-run accidents can help you understand your rights and explore the possibility of seeking compensation through the legal system.


Hit-and-run accidents can be frustrating and challenging to navigate, but understanding how your car insurance policy handles these incidents is crucial. By promptly reporting the incident to the authorities and your insurance provider, you can initiate the claims process. Uninsured motorist coverage plays a significant role in hit-and-run accidents, providing protection when the responsible party cannot be identified or does not have insurance. Deductibles and coverage limits may apply, so it is important to review your policy to understand the financial implications of filing a claim. Gathering evidence, such as photographs, witness statements, and surveillance footage, can strengthen your case. In some cases, your insurance company may pursue subrogation to recover costs, or you may choose to pursue legal action independently. By being proactive and informed, you can navigate the aftermath of a hit-and-run accident with confidence.

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Remember, every insurance policy is unique, and it is essential to review your specific policy and consult with your insurance provider for accurate and personalized information regarding hit-and-run accidents.

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