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.

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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.

Coverage & Claims

Why was a hit and run listed as an at-fault accident on my insurance?

A hit and run can be considered at-fault for a few different reasons. First, you must have uninsured motorist property damage coverage for the accident to be listed as not-at-fault.

Coverage & Claims

Who pays for hit and run damage if there's no UMPD coverage in NY?

Uninsured Motorist Property damage is not a coverage that is offered. If the policy has collision coverage you can use that coverage to have the damages repaired.

Coverage & Claims

Is a hit and run a comprehensive or collision claim?

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.

Coverage & Claims

Can I file a loss of use claim to get rental reimbursement in CT?

Connecticut does have a subrogation law which states you "are entitled to a comparable rental vehicle or reasonable compensation, for a reasonable period of time necessary to settle your claim or repair your vehicle." However, because you do not know who the individual is, I am not sure how would be the party to compensate you. Normally, you would need your rental reimbursement coverage.

Coverage & Claims

How can I get coverage after hit and run?

If you have collision coverage, your car will still be covered. You will be responsible for the deductible.
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