How Will a Hit and Run Affect Your Auto Premium?

According to DMV, 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/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 2016 Kia Optima while you are in the store helping your teenage daughter buy make-up (true story), what do you do?

Your Auto Insurance and the “Hit and Run”

Well, the damages would be covered under your own collision coverage. You’d have to pay your deductible which is a complete inconvenience. 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.

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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. 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.

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?

Read More: Auto Insurance in Las Vegas, Nevada

 

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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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