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 as well as how a hit and run affects the perpetrator's insurance rates if they're caught.


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 months Increase at 12 months Increase 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

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

For more information, check out our step-by-step guide to what to do after a hit and run as well as our guide to filing an insurance claim.





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.


Company Average 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.


Company Average after At-Fault Accident Difference 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.


Compare rates from leading insurance companies!

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My car was hit while parked outside my apartment complex. I have no witnesses but the truck parked next to mine looks like it did it. What can I do?

You can certainly open up a claim with your insurance company and see what they say. Even if it’s not totally clear this truck hit your car because there were no witnesses, they may be able to advise on next steps for what could be considered a hit-and-run.
Dec 8, 2020 Newport News, VA

Hit and run in a rental car?

Refusing to exchange insurance isn't really an option in the event of an accident as it's required by law. I would alert your insurance company and give them all the information available.
Jan 10, 2018 Washington DC

Can I file a claim after a hit and run?

For your vehicle to be covered you will need to have had comprehensive and collision (some people call this full coverage) on your policy. If you do have this coverage then it is likely that your company will fix your vehicle after you pay the deductible.
Aug 19, 2016 Des Moine, IA

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.
Jan 12, 2019 Denver, CO

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Ava LynchSenior Analyst

Ava worked in the insurance industry as an agent for four-plus years.

Ava currently provides insights and data analysis as one of The Zebra's property and casualty insurance experts. Her work has been featured in publications such as U.S. News & World Report, GasBuddy, Car and Driver, and Yahoo! Finance.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

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