Someone backed into my car and left without leaving a note? How does this get covered?
Your uninsured motorist physical damage coverage would pay for the damages. The insurance company typically will require a police report for the uninsured motorist coverage to pay. If you do not have that coverage on your policy or have adequate proof that it was a hit and run, then your collision coverage would cover the damages. If your collision coverage pays for the damages it can be listed as an at-fault accident on your claims history and your deductible would apply. You need to contact your insurance company as soon as possible. Good luck and if you have any questions, don’t hesitate to ask.