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

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
State Farm$1,942
Liberty Mutual$2,667


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
State Farm$1,617-$325
Liberty Mutual$2,358-$309




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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Recent Questions:

Hit and Run Car Insurance Coverage

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.

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.

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.

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.