Auto Insurance and Hit and Runs


Here’s a scenario for you. You go out to your car in the morning where it is street parked and finding someone more than kissed the back bumper of your car with theirs. It’s then when you think back to your slumber last night and recall hearing a loud crashing commotion through the background of your subconscious. But you passed it off as part of your dream you were having about the walrus belly flop contest in which you were oddly a participant. Then the frustration hits you as frustration manifests itself into seventeen other negative emotions common of a helpless victim simply trying to fulfill the day’s plan.

Any accident can ruin your day. But Hit and Run accidents seem to really get under your skin. Insurance companies are aware that if somebody that is looking at jail time, hefty fines or both, hits a parked car or other piece of private or public property without killing their car in the process, their first gut reaction is to flee the scene. If this happens, the first question you have to ask is, “Does my insurance policy cover this?”

Now, insurance coverage for hit and run vary from state to state, so check with your state’s Department of Insurance to get the answer straight from the source. But for the most part, most insurance companies cover hit and run offenses with what is called Uninsured Motorist Coverage. Only an uninsured motorist would even allow the thought of fleeing the scene of a traffic accident they were the cause of to enter their mind. Some states make Uninsured Motorist Coverage part of their minimum auto insurance requirements. Other states leave it out as an option, but insurance companies hope the wiser of their policy holders and wish for them to include this valuable protection.

Living in a high risk area where accidents occur all the time can increase your chances of a hit and run encounter. Insurance companies will urge their policy holders to only drive during the safe hours of the day and away from the troubled areas and roads. Parking in designated parking spots and in garages or driveways instead of along the street is protection against a possible hit and run.

About half of the time, hit and run offenders are eventually apprehended. Hit and run offenses go highly punished by the state judicial system resulting in heavy fines, substantial jail time, even vehicular manslaughter charges if the victim is a pedestrian or if it simply results in a fatality.

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