How Auto Insurance Handles Hit-and-Run Accidents

A hit-and-run accident can be unsettling, especially when the at-fault driver leaves the scene before exchanging information. While each situation is different, ABC Insurance & Financial Services is here to help you understand how auto insurance policies typically respond to hit-and-run incidents, and what steps may follow after an accident occurs.

What to Do After a Hit-and-Run Accident

After a hit-and-run incident, drivers are generally encouraged to document as much information as possible. This may include noting the time, location and details of the accident, taking photos of vehicle damage and contacting law enforcement. A police report is often required when filing an insurance claim related to a hit-and-run.

Once immediate concerns are addressed, the incident can be reported to the insurance carrier to begin the claims process.

How Coverage May Apply

How an auto insurance policy responds to a hit-and-run accident depends on the type of coverage in place. Uninsured motorist coverage may apply if the at-fault driver cannot be identified and the policy includes this coverage. This type of coverage is often designed to address injuries or damages caused by drivers who do not carry insurance or who leave the scene.

In some cases, collision coverage may apply to vehicle repairs resulting from a hit-and-run, regardless of who was at fault, subject to the policy’s deductible. Coverage availability and limits can vary, so reviewing policy details is an important part of understanding how a claim may be handled.

Factors That Can Affect a Claim

Several factors may influence how a hit-and-run claim is processed. These can include whether a police report was filed, the extent of the damage and the specific coverages carried under the policy. State requirements and insurer guidelines may also play a role in how claims are evaluated.

Because hit-and-run situations often involve limited information, the claims process may include additional review or documentation requests.

Staying Informed About Your Coverage

Hit-and-run accidents are unpredictable, and coverage responses can differ based on policy structure and circumstances. Taking time to understand what coverages are included in an auto insurance policy can help drivers feel more prepared if an incident occurs.

If you have questions about how hit-and-run accidents are handled under auto insurance or would like to review your current coverage, contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.