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 If there's one thing that nobody likes to experience on the road, it's a car crash. It can be stressful, especially if the other driver leaves the scene. With many of these situations happening, it is only right that you understand what this means for your car insurance. Hit and runs are any type of road accident where the driver hits a vehicle, object, or person. The driver knowingly flees the scene immediately without offering their information or help. Damages can be incurred such as yourself, the passengers, and the car itself. It is where your car insurance policy helps you with your expenses. Depending on which state you're residing in, these are the following coverage options that your auto policy may cover: Collision Coverage
Collision protects you from any physical damage to your car. While this will increase the cost of your auto policy, it will also bring equity to your damaged car. You would have to pay a deductible even if the accident wasn't your fault. When the faulted driver is identified and insured, you may recover your deductible from that driver's insurance. Uninsured motorist property damage (UMPD) A reason why a driver might flee the scene is that he probably doesn't have insurance. If you don't have collision coverage, you may consider UPMD coverage for any damages to your car from a hit and run. Uninsured motorist bodily injury UMBI is the same as UPMD, but instead of covering your car, this will cover the injuries you acquired from an accident, Medical payments/personal injury Protection (PIP) Also known as No-Fault Insurance, these coverages may apply for any road accident regardless of who's at fault. Medical and PIP cover injuries and may require a deductible. Your PIP may also cover your rehabilitation and funeral services if in any instances that they may be needed. Deductible For A Hit and Run Insurance Claim? A deductible may be necessary depending on the circumstances of the accident and the type of car insurance coverage you have. If claiming an uninsured motorist bodily injury coverage, a deductible won't be needed. At Schneiderman Insurance Agency, Inc., we do our best to ensure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (818) 322-4744 or Click Here to request a free quote. Coverage discussed in this article is not guaranteed. Please contact our agents to find out information about your specific policy. We are happy to help you obtain the coverage you need!
8 Comments
4/11/2023 04:19:34 am
Understanding your car insurance coverage options is crucial, especially in cases of hit and run accidents. Collision coverage, uninsured motorist property damage, uninsured motorist bodily injury, and medical payments/personal injury protection are some of the coverage options that may apply in these situations. Remember to consider the deductible requirements and consult with your insurance agent to fully understand your coverage. I like that you talked about being able to recover the deductible when the driver at fault is identified and insured. I want to learn more about the processes and terms of an auto insurance policy before I even get a car. In my opinion, being well-educated about these things can also ensure that I am getting the best coverage for myself and the vehicle I plan to buy this year. 7/19/2023 12:40:41 am
Thanks for pointing out that collision coverage will protect our vehicle from physical damage, but it will increase the cost of the policy. I will still get that coverage when I find an auto insurance agency to buy from here in Spokane Valley, Washington this year. As a new car owner, I would like to get covered with policies that will save me from huge expenses in the future because of my inexperience on the road or when accidents cannot be avoided no matter how careful I try to be. 7/25/2023 06:05:54 am
It helped when you mentioned that collision covers you from any physical damage to your vehicle. My friend wants to get car insurance. I should advise him to look for provider that offers tailored coverage. 9/10/2023 10:13:18 pm
I would like to read more topics about Car Insurance Coverage This 2022. This one really piqued my interest. Keep writing. 10/26/2023 11:01:22 pm
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