No matter what you experience on the roads of Brockton, Randolph, and Stoughton, it always pays to be insured so that you’re prepared for different collision scenarios. By doing so, you’ll always be prepared for anything you encounter during your daily commutes or weekend journeys.
So, if you find yourself on the receiving end of a hit and run and wonder to yourself, “What Insurance Covers a Hit and Run Accident?”, Collision 24 is here to help you answer that question.
Thanks to the information in this guide, you’ll know exactly what to do to get yourself the coverage you need after this kind of collision.
Type of Insurance for Hit and Run Accidents
Put simply, most hit and run accidents are covered by uninsured motorist coverage plans—uninsured motorist bodily injury coverage pays for medical expenses, and uninsured motorist property damage provides you with coverage for car repairs.
However, it’s important to keep in mind that some states require uninsured motorist coverage, while some others do not.
On top of that, other states don’t allow for uninsured motorist coverage to be used to foot the bill for damages incurred from a hit and run accident. So, be sure to check your state’s regulations for this type of insurance policy.
If you happen to live in an area that doesn’t use uninsured motorist coverage to pay for injuries or property damage sustained from an unknown driver during a collision, you can opt to use other policies to cover the expenses, such as:
- Personal Injury Protection
- Medical Payments Coverage
- Collision Coverage
What Should I Do After a Hit and Run?
What’s the most crucial thing to do after you’ve been involved in a hit and run? Well, first, you don’t want to waste any time after the initial collision in gathering as much evidence as you can about the person and car who hit you.
For example, be sure to record a description of the other vehicle and its driver and take note of which direction they were headed after the collision. By doing this, you’ll be able to provide your local police with details that could help them track down the driver.
To corroborate your story, take down the contact information of any witnesses who were at the scene when the hit and run accident occurred.
That way, the authorities can ask them about the details of what happened, and ensure that they have all the materials needed to locate the driver of the vehicle that fled.
Next, grab your smartphone or camera and snag a few photos of the damage done to the cars involved and the scene of the collision, as well as any other property damage. This will assist you in filing a claim with your insurance company.
If you want to find even more evidence about your accident, try contacting any local businesses to see if they happen to have security footage of the scene.
Thanks to any additional surveillance video, your local law enforcement officers may be able to more easily locate the image of the driver or a snapshot of the car’s license plate, both of which will speed up the process of finding the person who damaged your automobile.
Find Out More About Your Insurance Coverage Today!
At Collision 24, we believe that every driver near Brockton, Randolph, and Stoughton deserves to be supported after a collision, especially something like a hit and run.
That’s why we work with major insurance companies across the area, so that you can access the right coverage, repair your vehicle, and get back on the road in no time.
To learn more about the options available to you, feel free to stop by our facility, get an appraisal, or contact our car repair professionals today!