Am I Covered for a Hit and Run?

Auto accidents can be really traumatizing, and they can be even more so when you don't know who actually hit your car. Unfortunately, hit and run accidents are common these days, and there is really nothing that you can do to prevent them from occurring. If someone is afraid because he or she has no insurance, then this might make them think they have to flee the scene. When this happens, you may be left with no information about the other driver and a car that is badly in need of repair.

If you want to make sure that you are covered when something like this happens, then you need to make sure that you have the right insurance coverage. Not all policies are going to give you this type of coverage under a basic policy, so you'll need to make sure that you get it. The biggest mistake that a lot of drivers make is just assuming that their policies will cover anything. This is far from the truth, so it's something that you should consider very carefully before a hit and run happens to you.

Getting the Right Coverage

When you are shopping for auto insurance coverage make sure that you find out about different types of hit and run insurance that might be available to you. It's important to have this coverage if you don't want your claims record to get messed up and your premium rates to increase. If you have hit and run coverage, you can make a claim on your policy, but it won't affect your prices. It will be noted that another caused the accident, and you will only have to pay a premium to get things taken care of.

Sometimes, hit and run insurance will be included in a policy, but you can't just make that assumption. You need to make sure that you check with your provider and see if this is something that will be covered. If it is not clear on a policy when you apply for quotes, then you need to make sure that you check with an agent and ask about it specifically. It's better to do this now and find out for sure, rather than having to wait until something happens and find out the worst. If the coverage doesn't come standard, then you can think about adding it to your policy.

Making a Claim

If you have experienced a hit and run and need to make a claim, there are a few things that you need to keep in mind before you do. First off, it's really important for you to do so as soon as you possibly can. If you wait too long to make a claim, then you could end up jeopardizing your case. You need to make the claim when things are still fresh in your mind, so that you can get down all of the important details. Contact your insurance provider as soon as possible.

If you want to ensure that you will be covered for a hit and run and get your claim approved, then you need to make sure that you follow your insurance company's protocols. All providers are going to have different ways that they want claims to be reported, so you need to make sure that you find out just what the right way to do so is. If you are not careful and do something incorrectly, then this could mean bad news for you and your claim could be denied.

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