If I Experience a Hit-and-Run, Will My Insurance Cover Me?


Experiencing a hit-and-run is a stressful situation no matter what, and wondering if your insurance will cover the damage just adds to the trauma! Our clients ask us all the time if they’ll be covered if they experience a hit-and-run, and if you’re wondering the same thing, keep reading for some useful information.

Insurance and Hit-and-Runs

Hit-and-runs can be a complicated auto insurance topic. Because you don’t have the insurance information from the driver who hit you, your own insurance is responsible for covering the costs of repairing the damage.

However, if you only have your state’s required minimum level of insurance, it won’t include coverage for collisions, whether they’re hit-and-run or not. Each state has certain laws for the amount of coverage drivers must carry, but these only include liability coverage which can’t be used in the event you’re the victim of a hit-and-run.

How Can I Be Covered for Hit-and-Runs?

If you want to have insurance coverage for a hit-and-run, you’ll need to add collision insurance to your policy. This is an optional add-on to your policy that many drivers choose because the protection it offers can mean the difference between being able to cover repair or replacement costs for your car or having to go without one because you can’t afford to fix or replace it.

What Else Does Collision Insurance Cover? 

If a driver is in a collision with another vehicle, another object, or if they experience a single-vehicle accident like a rollover, collision insurance helps cover the cost of repairing or replacing your car. So, if you experience a hit-and-run, your insurance should cover the damage as long as you have collision coverage on your policy.

How Much Does Collision Insurance Cost? 

The cost of adding collision insurance to your policy varies from driver to driver, but it’s often more affordable than drivers expect! Call us today if you’d like to find out what a policy with collision coverage might look like for you.

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SALT LAKE CITY INSURANCE GROUP is your best option for comprehensive and budget-friendly coverage in the area. Our fast and friendly service saves you valuable time and money in finding the coverage you require for your family, your business, and your property. Contact us now to get started.


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