Does Liability Insurance Shield You in Hit-and-Run Cases?

10 Apr Does Liability Insurance Shield You in Hit-and-Run Cases?

In the chaotic world of traffic and accidents, a hit-and-run is one of the most frustrating and perplexing situations a driver can find themselves in. The sudden collision, followed by the fleeing of the responsible party, leaves victims with physical damages and uncertainty regarding insurance coverage. Let’s continue reading to answer the question—does liability insurance cover hit-and-runs?

What Is Considered a Hit-and-Run?

Before understanding the complexities of insurance coverage, it’s crucial to understand what constitutes a hit-and-run. Simply put, a hit-and-run occurs when a driver involved in an accident leaves the scene without exchanging information or fulfilling their legal obligations. This evasion can happen for various reasons, such as fear of consequences, lack of insurance, or even criminal intent.

Does Liability Insurance Cover Hit-and-Runs?

Liability insurance is a fundamental component of auto insurance, covering the costs of bodily injury and property damage you may cause to others in an accident where you are at fault. However, when it comes to hit-and-runs, the situation becomes more complex. Traditional liability insurance usually does not cover damages sustained in a hit-and-run if the responsible party cannot be identified.

Liability insurance typically assumes that the at-fault party can be held responsible, and their insurance will cover the damages. In hit-and-run scenarios, the lack of identification makes it challenging to invoke this process. Therefore, relying solely on liability insurance may not be sufficient to address the damages incurred in a hit-and-run incident.

Do Other Insurance Policies Cover Hit-and-Runs?

While liability insurance may not directly cover hit-and-runs, other insurance policies can come to your aid in such situations. They are:

• Uninsured Motorist Coverage (UM): This coverage protects you when the at-fault party is uninsured or underinsured. In the case of a hit-and-run, where the responsible party is unknown, this coverage can step in to cover your medical expenses and property damage.
• Personal Injury Protection (PIP): PIP covers medical expenses and, in some cases, lost wages, regardless of who is at fault in an accident. In a hit-and-run, PIP can provide essential coverage for your immediate medical needs.
• Collision Coverage: While not directly addressing hit-and-runs, collision coverage can help repair or replace your vehicle, regardless of fault. This coverage might be essential if the hit-and-run significantly damages your car.

How to Handle a Hit-and-Run?

If you find yourself a victim of a hit-and-run, it’s crucial to take the following steps:

• Contact the Police: Report the incident to the police immediately. Provide as much detail as possible, including the time, location, and any information about the fleeing vehicle.
• Document the Scene: Take pictures of the accident scene, including any damages to your vehicle and the surrounding area. Collect contact information from any witnesses.
• Notify Your Insurance Company: Report the hit-and-run to your insurance company immediately. Provide them with all the information gathered, and they can guide you on the next steps based on your coverage.

Hit the Road Confidently with Insurance Solutions from Kevin S. Dougherty Insurance

To navigate the complexities of hit-and-run incidents, partnering with a reliable insurance provider is essential. Kevin S. Dougherty Insurance Agency understands the uncertainties on the road and offers comprehensive coverage options tailored to your needs. Contact us at Marci and Kevin today, whether it’s liability insurance for third-party damages or additional coverage like an uninsured motorist or collision. Call us at (630) 575-0800 for further assistance.