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.
Feb 19, 2020 Portland, OR

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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.
Jan 8, 2020 Concord, CA

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.
Jan 5, 2020 Erie, PA

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.
Nov 20, 2019 Little Rock, AR

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.
Jul 16, 2019 Midwest City, OK

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.
Jun 25, 2019 Manitowoc, WI

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.
Jun 12, 2019 Exeter, RI

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.
Apr 5, 2019 Idaho Falls, ID

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.
Feb 25, 2019 Houston, TX

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.
Feb 3, 2019 Charlotte, NC

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.
Jan 20, 2019 New York, NY
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