• Home
  • About Us
  • Authors
  • Submit News
  • Contact Us
  • Privacy Policy
  • Sitemap
The Hack Post
  • Hacking News
    • Cyber Crime
  • Cyber Security
  • Technology
    • Internet
  • Entertainment
    • Gaming
  • Business
  • Science / Health
No Result
View All Result
The Hack Post
No Result
View All Result

Hit-and Run: Am I Covered by Insurance?

Sofia Peterson by Sofia Peterson
November 23, 2020
Hit-and Run Am I Covered by Insurance
Share on FacebookShare on Twitter

A hit-and-run can be stressful, whether you walked out to your car one morning and saw a huge dent in the fender, someone sideswiped your car while switching lanes and did not stop, or a driver who was clearly at fault caused an accident but left the scene. If you have been the victim of a hit-and-run, there are things you will need to know before calling your insurance company.

I was once involved in a multi-car accident that was caused by someone who fled the scene. The drivers of the first two cars in the chain reaction of rear-end collisions also drove away. That left me and the man who rear-ended me, who I had to call an ambulance for.

When the police arrived, they questioned me extensively, since there was no one else left to ask. They also briefly tried to blame me, since there was also no one else left to assume liability. If I’d known then what I know now, the first thing I would have done after I called 911 was take pictures of the other cars before they drove away. It would have made getting an insurance settlement much easier.

This guide to insurance coverage after a hit and run will also make getting a settlement easier. Understanding your options will allow you to make sure you have the coverage you need before you need it.

Uninsured Motorist Coverage

Uninsured motorist coverage is designed to cover damages or injuries if the other driver did not have enough coverage or had no coverage at all. Uninsured motorist coverage will pay for damages to your vehicle as well as medical costs if you are injured in the accident.

Uninsured motorist coverage is not automatic in all states. It may be an additional coverage you need to add to your insurance policy. If you have uninsured motorist coverage, your damages should be covered under your policy.

Collision Insurance

Collision insurance, also called comprehensive insurance in some areas, covers damages to your car if you hit a stationary object, someone hits your parked car or if you were involved in a hit-and-run. Normally, after an accident, the other driver will stop and the two of you exchange information so that you can file claims against the insurance of the person at fault.

When the other driver leaves the scene, however, you will have no option but to go to your insurance company to cover the cost of damages. Your insurance company may want some information, however. If possible, get information about the car, including make, model, color and license plate. Call the police and file a report.

When you find yourself the victim of a hit and run accident, staying at the scene while waiting for police to arrive is critical. You will also want to take photos of the damage. Keep in mind that you may have a deductible so you will need to determine if repairs will be more than the deductible. If not, you might want to just pay for the repairs on your own.

Injuries After Hit-and-Run

If you are injured after a hit-and-run accident, personal injury protection (PIP) pays for medical expenses and lost wages. You can make a claim for injuries on your own policy but there are instances where doing so could raise your rates. PIP does not cover any damage to your vehicle, and you will not be able to claim things like emotional distress or pain and suffering.

Often, PIP limits on your own policy are much lower than they are under your liability coverage. Although some states do not require you to have PIP, which means you will need to add it to your policy, in no-fault insurance states, the coverage may be required on all auto policies.

Talk to an Attorney

The best thing to do if you are involved in a hit-and-run is to talk to an attorney. Should the police locate the person who caused the hit-and-run, you may be facing court hearings and trials. Having an attorney to advise you throughout the process is highly recommended as hit-and-run accidents can be complicated, stressful, and confusing.

Sofia Peterson

Sofia Peterson

Sofia is a contributor at The Hack Post who loves to write about Technology. She also enjoys reading books and swims during her free time.

Next Post
Virus alert! Role of public health workers during COVID-19 pandemic

Virus alert! Role of public health workers during COVID-19 pandemic

Latest Articles

Jackery Portable Solar Panels UK
Technology

Unleash the Power of the Sun with Jackery Portable Solar Panels UK

June 7, 2023
The Premier Choice for Cesspool Service near Ronkonkoma, NY
Business

The Premier Choice for Cesspool Service near Ronkonkoma, NY

May 26, 2023
A-1 Sewer & Drain
Business

A-1 Sewer and Drain

May 26, 2023
What is Content at Scale and How Does it Help Boost Your Content?
news

What is Content at Scale and How Does it Help Boost Your Content?

May 26, 2023
The Evolution of Payment Systems in the Cryptocurrency Landscape
Business

The Evolution of Payment Systems in the Cryptocurrency Landscape

May 25, 2023
Reasons Small Business Loans get rejected
news

Reasons Small Business Loans get Rejected

May 16, 2023
A Complete Guide on Mobile App Wrapping
Technology

A Complete Guide on Mobile App Wrapping

May 16, 2023
Best Roofing Company in Indianapolis
news

Best Roofing Company in Indianapolis

May 16, 2023
Sealants for Industrial Processes Introducing CJM Centritec Non Contact Seals and CinchSeal Rotary Shaft Seals
news

Sealants for Industrial Processes: Introducing CJM Centritec Non Contact Seals and CinchSeal Rotary Shaft Seals

May 15, 2023
Building Custom Generative AI Models with TensorFlow
Technology

Building Custom Generative AI Models with TensorFlow

May 13, 2023
Secure Your Gaming Experience Top Tips for Safer Online Play
Entertainment

Secure Your Gaming Experience: Top Tips for Safer Online Play

May 11, 2023
windows in europe Everything You Need to Know
news

Windows in Europe: Everything You Need to Know

May 4, 2023
  • Home
  • About Us
  • Authors
  • Submit News
  • Contact Us
  • Privacy Policy
  • Sitemap

The Hack Post © 2019

No Result
View All Result
  • Hacking News
    • Cyber Crime
  • Cyber Security
  • Technology
    • Internet
  • Entertainment
    • Gaming
  • Business
  • Science / Health

The Hack Post © 2019