Question
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?
Answer
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 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. Here is more information on what to expect when you file a claim. Good luck and if you have any questions, do not hesitate to ask.