![]() Medical payments or personal injury protection (PIP) would cover injuries and may include a deductible. ![]() Medical payments (Med Pay) OR personal injury protection (PIP): These coverages apply regardless of who's at fault in an accident, so they can be used in the event of a hit-and-run. ![]() Uninsured motorist bodily injury (UMBI): UMBI covers injuries suffered in an accident caused by an uninsured driver, including hit-and-run scenarios where drivers are considered "uninsured," depending on the state. Your only hope for compensation will be finding the driver who caused the accident If you don't have collision or uninsured motorist property damage (UMPD) coverage, your car's physical damages won't be covered in a hit-and-run accident. ![]() Having collision coverage in those states would enable the hit-and-run to be covered, regardless of if the driver was identified or not. Some states also require the at-fault driver to be identified before UMPD can cover a hit-and-run accident. If you never came into contact with the responsible vehicle, UMPD coverage might not apply, depending on your state's rules. Say a car next to you on the highway blindly moves into your lane, causing you to swerve and hit a barrier. Note that in some states, UMPD coverage requires contact with the vehicle responsible for the hit-and-run. Learn more about uninsured motorist coverage. UMPD coverage typically has a deductible you'll need to pay out of pocket. UMPD coverage is mandated in some states, available in others (but not all), and relatively inexpensive to add to your policy. So, if you don't carry collision coverage, consider UMPD for damage to your car caused by a hit-and-run incident. Uninsured motorist property damage (UMPD): In most states, a driver who flees the scene of an accident will be considered "uninsured" by your insurance company. Learn more about collision coverage and car insurance deductibles. Collision coverage is optional, but if you have a car loan or lease, it's probably required by your lender. If your vehicle is damaged in a hit-and-run, collision will help cover the cost to repair or replace it after paying your deductible. ![]() Property damage coveragesĬollision: Collision coverage protects you against any physical damage to your car that was caused by impact with another vehicle or a stationary object, regardless of fault. Here's how auto insurance may cover a hit-and-run, depending on which coverages you have. Insurance coverage for hit-and-run accidents can be categorized into two types: property damage coverages and bodily injury coverages. How does insurance cover a hit-and-run accident? ![]()
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