Does Car Insurance cover a Hit And Run Accident?

Hit and run accidents may be more common than you think.

Whether your car is parked in a shopping parking lot or right outside of your apartment building, the chances of someone accidentally hitting your vehicle and then driving away without leaving you a note with their contact information are high.

The question is, no matter whether the accident caused a little scratch on your backend or smashed in your bumper, who is going to pay for the damages?

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The Reality of Hit and Run Car Accidents

If you happen to be in your parked or moving car when the other driver hits you, you are in luck. Both parties can get out, exchange car insurance information and amicably try to solve the situation.

While most drivers have the right type of car insurance to cover a hit and run accident, these drivers only purchase a policy to meet minimum car insurance requirement and only have liability insurance.

For most drivers, the damage to your vehicle will result in out-of-pocket expenses regardless of whether you were on the road driving and someone hit you or if your car was parked.

The likelihood that you will find a hit and run driver is pretty low but if there are any witnesses nearby, you may be in luck.

Whether it’s just the deductible if you were smart enough to purchase collision or uninsured motorist coverage or the full cost of damages if you don’t have coverage in place.

Choosing the Best Car Insurance Coverage

When you need to find the most reliable and affordable car insurance plan, it can be overwhelming with the amount of choices and options of policies laid before you.

Although collision insurance will cost you more per month, in the end many customers prefer paying more for the peace of mind that comes with it.

Most drivers purchase a full coverage car insurance policy which consists of liability, collision and comprehensive coverage, and for good reason.

Choosing the right type of car insurance can protect you from the cost of a hit and run accident.

Since many people are victims to injuries to their vehicle without having the proper insurance to pay for it, they end up paying hundreds, if not thousands to make up for the damage.

You can learn from others as well as from your previous mistakes by adding on more insurance to your premium when it is time to renew.

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