Will liability insurance cover a hit and run?
**No, liability insurance will not cover a hit and run. Liability insurance only covers damages and injuries you cause to others in an accident where you are at fault.**
What is liability insurance?
Liability insurance is a type of coverage that helps pay for damages and injuries you cause to others in an accident where you are at fault.
What is a hit and run?
A hit and run is when a driver leaves the scene of an accident without providing their contact information or assisting anyone who may be injured.
What should I do if I am the victim of a hit and run?
If you are the victim of a hit and run, you should try to get as much information as possible, such as the license plate number, make and model of the other car, and any witnesses. Then, contact the police and your insurance company.
Can I still file a claim with my insurance company if I have liability insurance?
Yes, you can still file a claim with your insurance company if you have liability insurance, but it will not cover damages or injuries resulting from a hit and run.
Does comprehensive insurance cover hit and run accidents?
Yes, comprehensive insurance typically covers hit and run accidents, as it provides coverage for damages to your vehicle caused by things other than a collision with another vehicle.
What is the difference between liability and comprehensive insurance?
Liability insurance covers damages and injuries you cause to others in an accident where you are at fault, while comprehensive insurance covers damages to your vehicle caused by things like theft, vandalism, or natural disasters.
Can I add uninsured motorist coverage to my policy to protect against hit and run accidents?
Yes, uninsured motorist coverage can help protect you in the event of a hit and run accident, as it provides coverage for damages and injuries caused by drivers who do not have insurance or flee the scene.
Will uninsured motorist coverage cover hit and run accidents if the other driver is never found?
Yes, uninsured motorist coverage can cover hit and run accidents, even if the other driver is never found, as long as you have the appropriate coverage on your policy.
What if I am the victim of a hit and run and do not have uninsured motorist coverage?
If you do not have uninsured motorist coverage and are the victim of a hit and run, you may be responsible for covering the damages to your vehicle and any medical expenses out of pocket.
Is it worth adding uninsured motorist coverage to my policy?
Adding uninsured motorist coverage to your policy can provide extra protection in the event of a hit and run or an accident with an uninsured driver, making it a worthwhile investment for many drivers.
What other steps can I take to protect myself against hit and run accidents?
In addition to uninsured motorist coverage, you can also install a dashcam in your vehicle, park in well-lit areas, and be aware of your surroundings to help protect yourself against hit and run accidents.
Can I take legal action against a hit and run driver if they are identified?
Yes, you can take legal action against a hit and run driver if they are identified, as leaving the scene of an accident is a criminal offense and you may be entitled to compensation for damages and injuries.