Does Uninsured Motorist Cover a Hit and Run?

When a vehicle accident occurs and the at-fault driver leaves the scene without providing any information or assistance, it is commonly known as a hit and run. This often leaves victims feeling uncertain about how to proceed and whether their insurance will cover the damages. A primary concern for those affected is understanding if their own auto insurance policy, particularly uninsured motorist coverage, extends to such frustrating and often complex incidents.

Understanding Uninsured Motorist Coverage

Uninsured motorist (UM) coverage is a component of an auto insurance policy designed to protect you financially when the at-fault driver either has no insurance, insufficient insurance, or cannot be identified. This protection typically comes in two main forms: Uninsured Motorist Bodily Injury (UMBI) and Uninsured Motorist Property Damage (UMPD). UMBI coverage helps pay for medical expenses, lost wages, and pain and suffering for you and your passengers if you are injured by an uninsured driver.

UMPD coverage, on the other hand, is specifically for repairs or replacement of your vehicle if it is damaged by an uninsured driver. Its availability and whether it is optional or required can vary significantly by state. Many states mandate that insurers offer this coverage, and in some instances, drivers must formally reject it in writing if they choose not to carry it.

How Uninsured Motorist Coverage Applies to Hit and Runs

Uninsured motorist coverage can indeed apply to hit and run incidents, stepping in when the responsible driver is unknown. However, there are often specific conditions that must be met for coverage to activate. A frequent requirement in many states and insurance policies, particularly for UMPD claims, is “physical contact” between your vehicle and the hit-and-run vehicle. This stipulation helps to prevent fraudulent claims by ensuring there was a verifiable interaction with another vehicle.

Physical contact can include direct impact between vehicles, or even indirect contact such as damage from debris thrown by the fleeing vehicle or objects falling from it. Another consistent requirement for hit and run claims is the filing of a police report. This report usually needs to be made promptly after the incident, often within 24 to 72 hours, as delays can lead to a denial of your claim.

Steps to File a Hit and Run Claim

After a hit and run, your first priority is to ensure safety for yourself and any passengers, then move your vehicle out of traffic if possible. Immediately begin gathering as much information as you can about the incident. This includes taking photos of your damaged vehicle, the accident scene, and any distinguishing features of the other vehicle, such as its make, model, color, or license plate number if you recall it.

Contact law enforcement as soon as possible to file an official police report. This report is crucial as it provides an objective account of the incident and strengthens your claim with the insurance company. Be sure to obtain a copy of the report or its report number. Notify your insurance company promptly about the accident, as most policies require timely reporting. Provide them with all the documentation you have collected, including the police report, photographs, and any witness statements, to facilitate the claim process.

Important Considerations for Your Claim

Your coverage will be limited by the specific UM policy limits you selected. For Uninsured Motorist Property Damage (UMPD) claims, a deductible typically applies, which is the amount you pay out of pocket before your insurance coverage begins. These deductibles generally range from $100 to $1,000, and some states may even have a separate deductible specifically for hit and run incidents.

In contrast, Uninsured Motorist Bodily Injury (UMBI) claims usually do not have a deductible. Review your specific policy documents and consult with your insurance provider to understand the exact terms and conditions that apply.