{"id":167499,"date":"2025-05-09T14:15:48","date_gmt":"2025-05-09T14:15:48","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/will-liability-insurance-cover-a-hit-and-run\/"},"modified":"2025-05-09T14:15:48","modified_gmt":"2025-05-09T14:15:48","slug":"will-liability-insurance-cover-a-hit-and-run","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/will-liability-insurance-cover-a-hit-and-run\/","title":{"rendered":"Will liability insurance cover a hit and run?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/will-liability-insurance-cover-a-hit-and-run\/#Will_liability_insurance_cover_a_hit_and_run\" title=\"Will liability insurance cover a hit and run?\">Will liability insurance cover a hit and run?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/will-liability-insurance-cover-a-hit-and-run\/#What_is_liability_insurance\" title=\"What is liability insurance?\">What is liability insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/will-liability-insurance-cover-a-hit-and-run\/#What_is_a_hit_and_run\" title=\"What is a hit and run?\">What is a hit and run?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/will-liability-insurance-cover-a-hit-and-run\/#What_should_I_do_if_I_am_the_victim_of_a_hit_and_run\" title=\"What should I do if I am the victim of a hit and run?\">What should I do if I am the victim of a hit and run?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/will-liability-insurance-cover-a-hit-and-run\/#Can_I_still_file_a_claim_with_my_insurance_company_if_I_have_liability_insurance\" title=\"Can I still file a claim with my insurance company if I have liability insurance?\">Can I still file a claim with my insurance company if I have liability insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/will-liability-insurance-cover-a-hit-and-run\/#Does_comprehensive_insurance_cover_hit_and_run_accidents\" title=\"Does comprehensive insurance cover hit and run accidents?\">Does comprehensive insurance cover hit and run accidents?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/will-liability-insurance-cover-a-hit-and-run\/#What_is_the_difference_between_liability_and_comprehensive_insurance\" title=\"What is the difference between liability and comprehensive insurance?\">What is the difference between liability and comprehensive insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/will-liability-insurance-cover-a-hit-and-run\/#Can_I_add_uninsured_motorist_coverage_to_my_policy_to_protect_against_hit_and_run_accidents\" title=\"Can I add uninsured motorist coverage to my policy to protect against hit and run accidents?\">Can I add uninsured motorist coverage to my policy to protect against hit and run accidents?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/will-liability-insurance-cover-a-hit-and-run\/#Will_uninsured_motorist_coverage_cover_hit_and_run_accidents_if_the_other_driver_is_never_found\" title=\"Will uninsured motorist coverage cover hit and run accidents if the other driver is never found?\">Will uninsured motorist coverage cover hit and run accidents if the other driver is never found?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/will-liability-insurance-cover-a-hit-and-run\/#What_if_I_am_the_victim_of_a_hit_and_run_and_do_not_have_uninsured_motorist_coverage\" title=\"What if I am the victim of a hit and run and do not have uninsured motorist coverage?\">What if I am the victim of a hit and run and do not have uninsured motorist coverage?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/will-liability-insurance-cover-a-hit-and-run\/#Is_it_worth_adding_uninsured_motorist_coverage_to_my_policy\" title=\"Is it worth adding uninsured motorist coverage to my policy?\">Is it worth adding uninsured motorist coverage to my policy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/will-liability-insurance-cover-a-hit-and-run\/#What_other_steps_can_I_take_to_protect_myself_against_hit_and_run_accidents\" title=\"What other steps can I take to protect myself against hit and run accidents?\">What other steps can I take to protect myself against hit and run accidents?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/will-liability-insurance-cover-a-hit-and-run\/#Can_I_take_legal_action_against_a_hit_and_run_driver_if_they_are_identified\" title=\"Can I take legal action against a hit and run driver if they are identified?\">Can I take legal action against a hit and run driver if they are identified?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Will_liability_insurance_cover_a_hit_and_run\"><\/span>Will liability insurance cover a hit and run?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>**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.**<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_liability_insurance\"><\/span>What is liability insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nLiability 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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_a_hit_and_run\"><\/span>What is a hit and run?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nA 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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_should_I_do_if_I_am_the_victim_of_a_hit_and_run\"><\/span>What should I do if I am the victim of a hit and run?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf 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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_still_file_a_claim_with_my_insurance_company_if_I_have_liability_insurance\"><\/span>Can I still file a claim with my insurance company if I have liability insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, 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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_comprehensive_insurance_cover_hit_and_run_accidents\"><\/span>Does comprehensive insurance cover hit and run accidents?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, 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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_difference_between_liability_and_comprehensive_insurance\"><\/span>What is the difference between liability and comprehensive insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nLiability 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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_add_uninsured_motorist_coverage_to_my_policy_to_protect_against_hit_and_run_accidents\"><\/span>Can I add uninsured motorist coverage to my policy to protect against hit and run accidents?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, 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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Will_uninsured_motorist_coverage_cover_hit_and_run_accidents_if_the_other_driver_is_never_found\"><\/span>Will uninsured motorist coverage cover hit and run accidents if the other driver is never found?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, 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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_if_I_am_the_victim_of_a_hit_and_run_and_do_not_have_uninsured_motorist_coverage\"><\/span>What if I am the victim of a hit and run and do not have uninsured motorist coverage?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf 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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_it_worth_adding_uninsured_motorist_coverage_to_my_policy\"><\/span>Is it worth adding uninsured motorist coverage to my policy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nAdding 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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_other_steps_can_I_take_to_protect_myself_against_hit_and_run_accidents\"><\/span>What other steps can I take to protect myself against hit and run accidents?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn 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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_take_legal_action_against_a_hit_and_run_driver_if_they_are_identified\"><\/span>Can I take legal action against a hit and run driver if they are identified?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, 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.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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 &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Will liability insurance cover a hit and run?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/will-liability-insurance-cover-a-hit-and-run\/#more-167499\">Read more<span class=\"screen-reader-text\">Will liability insurance cover a hit and run?<\/span><\/a><\/p>\n","protected":false},"author":41,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-167499","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Will liability insurance cover a hit and run?<\/title>\n<meta name=\"description\" content=\"Will liability insurance cover a hit and run? **No, liability insurance will not cover a hit and run. 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