How Auto Insurance Handles Hit-and-Run Accidents

Hit-and-run accidents can be stressful and confusing. Understanding what to do after a hit-and-run incident and how it affects your auto insurance can help if you ever find yourself in this unfortunate situation.

What to Do After a Hit-and-Run

If you’re involved in a hit-and-run, your safety comes first. Here are some recommended steps:

• Move to a safe location and check for injuries.
• Call 911 to report the accident and request medical help if needed.
• Gather as much information as possible. Note the time, location, and any details about the other vehicle or driver.
• Take photos of the scene and any damage to your vehicle.
• Look for witnesses and ask for their contact information.
• Notify your insurance provider as soon as possible.

How Auto Insurance May Cover Hit-and-Run Accidents

In Texas, not all auto insurance policies automatically cover hit-and-run incidents. Here’s how coverage typically works:

• Uninsured motorist coverage—This coverage may help pay for your damages if the at-fault driver can’t be identified. In Texas, uninsured motorist coverage is optional but highly recommended.
• Collision coverage—If you have collision coverage, it may help pay for repairs to your vehicle after a hit-and-run, regardless of who was at fault.
• Personal injury protection (PIP)—This coverage may help with medical expenses and lost wages for you and your passengers, regardless of who caused the accident.

It’s important to review your policy to understand what’s included.

Contact Us

Navigating the claims process after a hit-and-run can be challenging. The team at Best Option Insurance & Tax in Houston, TX can help answer your questions about hit-and-run incidents or review your auto insurance policy.

Contact us today for a personalized quote or more information.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.