Being involved in a hit and run accident can be a nightmare of a problem, especially if you do not have the right type of insurance coverage. According to AAA, there is at least one hit and run accident every minute of the day in the U.S., which means there is a big chance you could someday be involved in a crash like this. To be covered against hit and runs, you will need to make sure you have the following auto insurance coverage.
Collision auto coverage
The first type you need to cover the damages and injuries you encounter from a hit and run collision is collision coverage. Collision is the best and most comprehensive form of auto insurance coverage for car accidents you can purchase, as it basically covers your damages and injuries no matter how an accident occurs. It even covers your damages if you end up causing a collision to happen.
When involved in a hit and run, you do not know who the other driver was in the collision. Therefore, it would be impossible to collect money from that person's insurance company if he or she was responsible for causing the collision. That is when your own collision coverage can come in very handy as it would cover all your damages from the hit and run accident.
Uninsured auto coverage
The other important type of coverage to have in this situation is called uninsured motorist coverage. This is a type of coverage that may also help you in a hit and run situation as your insurance company may pay the claim with the assumption that the driver who struck you did not have insurance. Uninsured only kicks in and pays a claim when an uninsured driver causes an accident, and the driver who struck you and left the scene may have left the scene because he or she did not have any insurance coverage at the time.
These are the main two types of insurance coverage that would help you to cover the damages incurred if you are ever in a hit-and-run collision. If you currently do not have these types of coverage, you should consider adding one or both to your auto insurance policy as they would provide you with the protection you need if you ever encounter a situation like this. You can learn more about both types of coverage by talking with an auto insurance company like Budget Insurance Offices Inc.