Did you know hit-and-run accidents - those in which someone causes an accident and then leaves the scene without providing their information - are more common than you might think?
And, Georgia ranks 4th according to Ride Safe Georgia for fatal hit-and-run accidents.
So, if you're a victim of a hit-and-run does insurance cover the accident?
It depends on your policy, state, and details of the accident.
First, there is no hit-and-run insurance policy. The accident might be covered by one of the following types of insurance:
In most states, the person who runs from the scene and isn't later located is considered to be uninsured by your insurance company. In this case, if you don't have collision insurance you will need UMPD (which is required in some states) in order to have your vehicle damage covered. Of course, you'll need to cover the deductible.
Also, in some states, the person who runs must have actually hit your vehicle for coverage to apply. For example: someone pulls out in front of you and you had to swerve to miss them, causing you to run into something else and cause damage to your vehicle. This may not be covered by the other person's insurance even if they're located because they didn't actually strike your vehicle.
So, don't wait to be involved in a hit-and-run accident to find out what your insurance policy covers - or doesn't. Call me at 706-726-1446 for help in identifying the best coverage for your situation.