Does Auto Insurance Cover a Hit-and-Run If the Other Driver Is Never Found?

A hit-and-run can leave you feeling shaken and unsure of who will cover the damage when the other driver disappears. Understanding which parts of your auto insurance policy apply can make a significant difference in how smoothly you recover after the incident.

Which Coverage Applies in a Hit-and-Run Incident?

It’s important to note that liability coverage, which most states require, pays for damage you cause to others in an accident. It does not typically help when an unknown driver causes damage to your vehicle. For a hit-and-run, the following coverage may apply:

• Uninsured motorist coverage may help when the at-fault driver cannot be identified or carries no insurance. In a hit-and-run, the unknown driver is treated as an uninsured motorist for claim purposes, though specific terms vary by policy and state.
• Uninsured motorist property damage may be offered in some states as an alternative or supplement to collision coverage for property damage caused by an uninsured or unidentified driver. Availability and terms vary by state and policy, so check your policy for specifics.
• Collision coverage may cover costs for repairs to your vehicle regardless of fault, subject to your deductible.

What to Do Right After a Hit-and-Run

Document everything at the scene, take photos, note the time and location and look for any nearby witnesses or security cameras as soon as possible. File a police report promptly, as many insurers require one to process a claim involving an unknown driver.

Get Covered Today

A quick review of your policy can help close any coverage gaps before they become costly. Contact Policy Pilot Insurance Services today to explore your options and get a customized policy that fits your needs and budget.

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.