How Will a Hit and Run Affect Your Auto Premium? 

Re-posted on 6/15/20

According to DMV.org, the definition of a Hit and Run is: “any accident in which a driver intentionally leaves the scene without providing contact information”.

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If your car was hit by someone and they do the legal and 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. But what if someone hits your beautiful new 2016 Kia Optima while you are in the store helping your teenage daughter buy make-up (yes, true story) and you come out of the store to find your beautiful red sweet ride not so shiny and perfect anymore (aarrgghh!!!!!!!! SCREAM!!!). You find no note with insurance information, and this person did not have the common decency or class to handle their error, they just drove off (which is illegal and known as a hit-and-run). What do you do?

Well the damages would be covered under your own collision coverage. You’d have to pay your deductible which is a total bummer. Your collision coverage protects your car no matter who was at fault, thank heavens! Hopefully, you have collision on your policy, either way, you’d contact your agent.

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In Cases 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. 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 to have, but it is very common to have it as part of “full coverage” and is definitely a smart idea to have on your policy.

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If you are involved in a hit and run, try to get as much information about the car that you can, if possible. The make, model, 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 sound advice from your professional agent who knows what they are doing and how to protect your overall financial wellbeing.

Related Articles:

At Fault – If You Caused an Auto Accident

In a Car Accident and Forgot to Exchange Insurance Information; Now What?

Auto Insurance | Underinsured / Uninsured Motorist

After an Auto Accident – What Happens When You Need To Sue?

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DISCLAIMER: It is important to note that the information contained herein is made general for the purpose of explanation.  You should consult your policy for exclusions or other language that may alter your policy.

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