How Will a Hit and Run Affect Your Auto Insurance Premium?
According to the DMV, the definition of a Hit and Run is, “any accident in which a driver intentionally leaves the scene without providing contact information”.
If your car was hit by someone, and they do the legal/right thing by admitting it and paying for it, all is well. The “at fault” driver’s insurance will cover it under their property damage portion of their insurance for your car to be fixed. In the case that someone hits your beautiful new car while you are in the store helping your teenage daughter buy make-up (true story), what do you do?
The damages would be covered under your own collision coverage, but you’d have to pay your deductible. Your collision coverage protects your car no matter who was at fault, thank heavens!
In Case of Emergency
The above story was a scenario in which there weren’t any injuries. But what if there are injuries? Many people across Nevada are hit daily in which the perpetrator takes off without taking responsibility. This is a hit-and-run scenario. A Hit and Run is a very serious offence in which one could spend time in jail for. If there are injuries to you or your passengers, and if you have “uninsured motorist”, this portion of your insurance will cover your injuries up to your policy limits. Ask your agent about uninsured or underinsured motorist. Uninsured/underinsured motorist is not a requirement from the state of Nevada to retain, but it is very likely to be a part of “full coverage” and is definitely a smart idea to have on your policy.
Avoiding Disaster With Nevada Insurance Enrollment
If you are involved in a hit and run, try to get as much information about the car that you can, if possible. Such as, the make, model, and license plate number. Try to take pictures, see if there are any witnesses, and get their contact information in case you may need it later. Note the time, date, and location. Call the police to file a report as soon as possible. If this happens to you, call your auto insurance agent. Get advice from your professional agent who knows what they are doing and how to protect your overall financial wellbeing.
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What is Subrogation?
Even if it’s been determined that you definitely are not responsible for the accident, you can file a claim under your own comprehensive coverage and pay your deductible. Then, because it’s the financial responsibility of the at-fault driver and their insurer to get you back to pre-accident condition, your insurance company would use subrogation to file a claim with the other insurance company. This will allow them to get back any money paid out for repairs, including your deductible.