Coverage & Claims

My car was hit by a drunk driver that ran off. Why do I owe a deductible if my car was damaged in a hit and run?

Your insurer should not at all be listing you as the liable or at-fault party in a hit-and-run claim. I recommend contacting your insurance company to ensure they are filing the claim accurately. If you're using uninsured motorist coverage for this claim, you could be responsible for your deductible; but depending on the circumstances, this could be reimbursed back to you. If you have any questions, feel free to ask.

Compare auto insurance rates and save up to $670 per year!

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.
Most Recent

Coverage & Claims

Someone hit me while pumping gas and I only have the license plate. What do I do next?

The damage from the hit-and-run would be covered if you have UMPD (uninsured motorist property damage). In California, you need to file a police report for the accident to be deemed a hit-and-run in most cases.

Coverage & Claims

Will filing a claim for uninsured driver property damages with my insurance company raise my premiums?

Sorry to hear about the hit and run. Filing an uninsured motorist claim should not affect your rates.

Coverage & Claims

I have liability and uninsured motorist coverage. Can I file a claim on a hit and run accident?

Yes, your uninsured motorist coverage would include coverage for UMPD (uninsured motorist property damage). Your deductible typically applies.

Coverage & Claims

Someone attempted to steal my neighbor's vehicle and wrecked my van, how do I handle insurance?

You would not be at fault in this case. In cases like this, it's best to get all the documentation you can, like a police report. If you have comprehensive and collision, you should be able to get your car fixed.

Coverage & Claims

Someone hit my car while it was parked. Should I file a claim?

It depends on what part of your coverage is used to compensate for the damage. See this guide on when you should file a car insurance claim.

Coverage & Claims

My car got damaged by a hit and run vehicle that was be driven by a family member. Who pays for the damage?

This can be a tricky situation. If there is a police report and proof the vehicle was stolen, usually your claim will not be covered by the owner of the vehicle's insurance.

Coverage & Claims

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

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.

Coverage & Claims

Should I file a claim if my car was side-swiped?

Sorry to hear about your situation. There are several factors to consider before filing a claim.

Coverage & Claims

Which portion of insurance policy pays for hit and run?

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.

Coverage & Claims

If I'm the victim of a hit and run will my rate increase?

The accident will show up on your record. How it appears on your record depends on what coverage paid for your repairs.
Icon-Agent
Ask an Agent

Get free insurance advice you can trust.

Ask a Question