What Happens if There’s a Hit & Run? Do I Have Enough Coverage?

It’s always important to know how you are covered on auto insurance as you drive throughout Blue Ridge and the rest of Georgia. Hit and runs can be extremely expensive if you don’t have sufficient coverage.

If you look at your auto insurance policy, you are likely not going to find coverage that reads “hit and run.” However, you may have coverage that is going to provide various aspects of a hit and run.

If you simply have the minimum coverage required by the state, you may not have enough coverage. This means that you would likely pay out-of-pocket for medical bills, car repairs, and more.

Remember that with a hit-and-run, the other person is not there. This means that it can be difficult to establish fault. Further, they are not there to give over their insurance card, and therefore you want to have uninsured motorist coverage to help cover some of the expenses.

Collision coverage should also be a part of your policy. Regardless of fault, it can cover the repairs to your vehicle. You may already have this coverage on your policy, though it is important to confirm.

Other coverage that you will want to include within your policy includes personal injury protection, commonly referred to as PIP. This can cover medical bills, lost wages, and even childcare for you and anyone who may have been in the car during the hit-and-run. This will ensure that everyone is covered, as long as you pay the deductible and there are sufficient limits in place.

Contact us at The Insurance Mart today where we can help you get coverage for hit and runs and more. We’re happy to answer questions and guide you through the process of getting an affordable auto insurance policy in Blue Ridge.