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Is a hit and run a comprehensive or collision claim?

My car was hit while it was parked. No note. I came out to find my front right fender smashed in as well as the passenger door which now can't be opened. Someone really ran into it but no note. Is this collision or comprehensive?

Jan 12, 2019 Denver, CO

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Ava Lynch

Insurance Analyst

Credentials
  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

It would be covered under collision coverage. Collision covers damages anytime the car collides with another object. Comprehensive coverage will cover other damages to the car that does not involve a collision such as fire, theft, or vandalism. Since it was a hit-and-run, you can also use uninsured motorist property damage, to cover the damages. This is additional coverage that you must already have on the policy. To file a claim under an uninsured motorist, you will likely need a police report. Call your insurance company as soon as possible and report the incident, that way they can tell you what your options are and start the claims process. Check out our claims calculator and guide to filing claims for more information on what to expect. Good luck and if you have any questions, do not hesitate to ask.

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