Hit and Run Car Insurance Coverage

Does car insurance cover hit and run damage? Let's examine the steps to take in the wake of an accident.

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Hit and run car insurance

 

If you’ve been the victim of a hit and run car accident, you're familiar with the anger and confusion that follows. Unfortunately, these incidents are fairly common, so it’s important to understand the auto insurance implications of a hit and run. Let’s take a look at the steps to take to ensure your car insurance covers you in the wake of a hit and run.

 

Car insurance after a hit and run
  1. Does car insurance cover hit and runs?
  2. What to do after a hit and run
  3. Cheapest car insurance companies after a hit and run
  4. Summary: hit and runs and your insurance

 


 

Does car insurance cover hit and run incidents?

 

Car insurance does cover hit and run accidents, as long as you carry collision or uninsured property damage coverage. While these coverage options are not legally required, they’re fairly common. If your vehicle is leased or financed, you probably have this coverage by default.

While many insurance agents say collision and uninsured property damage coverages are identical, that's not always true.

 

Collision versus uninsured property damage coverage

Collision and uninsured property damage (UMPD) are designed to cover damage to your vehicle. Each comes with a deductible. However, the difference lies in the fault. In the case of an accident, collision coverage denotes fault to an insurance company. This is why you’ll often see a premium increase after filing a collision claim.

Car insurance rates after a collision claim:

Increase at 6 monthsIncrease at 12 monthsIncrease at 3 Years
+$309+$617+$1,851



By definition, UMPD covers you against the actions of an uninsured driver. Thus, you shouldn’t receive a substantial — more than a few percentage points — rate increase after filing a UMPD claim.

While your insurance agent might say collision and UMPD are basically the same, you should ask about the potential rate hike you would face after a UMPD claim vs. a collision claim to fully understand the difference.

 

 


 

What to do after a hit and run

 

For a step-by-step summary of what to do about insurance after a car accident, see our guide to filing an insurance claim. While there is a lot to consider, the big things to keep in mind after a hit and run include:

  • If the other driver flees the scene, call the police. A license plate number or vehicle description will be important.
  • Take photos of the accident and resulting damages.
  • Call your insurance company and provide pictures of damages and the police report.

Being victimized in a hit and run can be a nightmare. Your car insurance after a hit and run should be a steady and reliable source of protection.

 

 


 

Cheapest hit and run car insurance coverage

 

If you’ve been charged with committing a hit and run violation, expect your car insurance premium to rise drastically. On average, your premium will increase by over 82% — making it the most expensive violation you can receive. Considering most insurance companies will charge you for three to five years after a serious violation, you could end up paying a penalty of an extra $1,200 per year in additional premiums alone.

Below are estimated car insurance rates for a driver with a hit and run on his or her record.

 

CompanyAverage Premium after a Hit and Run
Allstate$3,617
GEICO$2,777
Farmers$2,882
Nationwide$3,126
State Farm$1,942
Liberty Mutual$2,667
USAA$1,820

 

Getting car insurance after committing a hit and run will be very expensive — even pricier than being charged with an at-fault accident. Below are rates from the same insurance companies after an at-fault accident.

 

CompanyAverage after At-Fault AccidentDifference from Hit and Run
Allstate$3,017-$600
GEICO$1,997-$780
Farmers$2,226-$656
Nationwide$2,174-$952
State Farm$1,617-$325
Liberty Mutual$2,358-$309
USAA$1,288-$532

 

 


 

Summary: car insurance with a hit and run

 

Car insurance after a hit and run can be a difficult process. Talk to your insurance company and understand your coverage options. If you have uninsured motorist property damage coverage, use it. While this will come with a deductible, the rate increase will cost less than a collision claim. If your insurance company does increase your rate significantly after a hit and run claim, you should consider shopping around for car insurance. You shouldn’t be paying for a claim you did not cause.

If you have a hit and run conviction on your car insurance record, this will be one of the most expensive tickets you can receive. On average, your insurance premium will increase by about 82%. Your best option for finding cheap insurance going forward will be to shop around. Enter your zip code below to see insurance rates designed for your record.

 

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Recent Questions:

Hit and Run Car Insurance Coverage

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.

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.

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.

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.

Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.