Hit and Run Insurance: What Covers You

Read the full article →

After a hit and run, payment usually comes from your own coverage. How uninsured motorist and collision typically apply, and why a police report matters.

This short video is a summary of our explainer Hit and Run Insurance: What Covers You When the Other Driver Flees, and What to Do, which covers the details, the steps to take, and how auto insurance typically handles it.

Transcript

After a hit and run, payment usually comes from your own coverage, not from the driver who fled. Liability-only insurance does not pay to repair your car. Uninsured motorist bodily injury may cover injuries. Collision, or in some states uninsured motorist property damage, may pay for the car, even if it was hit while parked. Report the crash to police quickly, because many policies require a police report. State rules vary.

More videos

• Is state-minimum liability enough after a real injury bill? (33 sec)
• Hit a utility pole or downed power line? What to do and who pays (34 sec)
• Georgia car accident: when you must call the police (33 sec)
• All videos
• All news and explainers

Important: This video is general information, not legal, tax, or insurance advice, and coverage rules vary by state, insurer, and policy. AutoInsuranceBundle.pro is a free, independent insurance comparison and referral service. We are not an insurance company, we do not issue policies, and we do not provide insurance advice. Calls to the number on this site are routed to licensed insurance agents or agencies in our partner network, who may receive compensation. Calling is completely voluntary and there is no obligation to buy. Rates, discounts, and availability vary by carrier, state, and individual eligibility; not all carriers, products, or discounts are available in all states. Calls may be recorded for quality and compliance purposes.