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Question

Do I still have to pay a deductible for a hit and run incident?

I have a $1000 deductible. While at the grocery store, someone hit my car and did not leave their info. Am I responsible for paying the deductible to cover the damage?

Jun 25, 2019 Manitowoc, WI

Answer
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Kristine Lee

Insurance Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

In the case of a hit-and-run, if you filed a police report and have uninsured motorist coverage, this could be used to cover the damages. This is additional coverage that must already be on your policy. It could also be covered by the collision portion of your insurance, but keep in mind your premium will likely increase after filing a collision claim, even if you're not at fault. Both options are subject to deductibles but typically your collision deductible is higher. I recommend you file a claim with your insurance company to go over your options. If you have any further questions, don't hesitate to ask. For more information, see our guide:  When and How to File an Insurance Claim.

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