Question

Jason parked his car on a back street and walked to the bank. When he returned to his vehicle, the entire side of the car had been damaged. No one had witnessed the accident. Would any insurance coverage pay for the damages in this hit and run case? If so, what type?​

Answer 1

Uninsured motorist coverage is the insurance coverage that can pay for the damages in a hit and run case.

Step-by-step explanation:

In a hit and run case where a person's car has been damaged and there are no witnesses, the insurance coverage that can pay for the damages is called uninsured motorist coverage. Uninsured motorist coverage is a provision in auto insurance policies that allows the insured driver to make a claim for damages caused by a hit and run driver or a driver who doesn't have insurance.

Uninsured motorist coverage is a separate type of coverage that drivers can add to their auto insurance policy. It helps protect against financial loss if the driver is involved in an accident with a driver who doesn’t have insurance or is unidentified in a hit and run. With uninsured motorist coverage, the driver's own insurance provider pays for the damages caused by the hit and run.

It is important for drivers to check their auto insurance policy to see if they have uninsured motorist coverage. If they do, they can file a claim with their insurance company and provide evidence of the hit and run to support their claim.

Answer 2

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Step-by-step explanation:

Insurance coverage for hit-and-run accidents can be categorized into two types: property damage coverages and bodily injury coverages. Here's how auto insurance may cover a hit-and-run, depending on which coverages you have.

Collision: Collision coverage protects you against any physical damage to your car that was caused by impact with another vehicle or a stationary object, regardless of fault. If your vehicle is damaged in a hit-and-run, collision will help cover the cost to repair or replace it after paying your deductible. Collision coverage is optional, but if you have a car loan or lease, it's probably required by your lender.

Generally, if you're involved in a hit-and-run accident, Medical Payments Coverage (also known as Med Pay) can cover medical expenses related to injuries to you or your passengers from an accident involving your vehicle, up to your policy limits. Typically, Med Pay coverage is optional. Med Pay may also cover you as a pedestrian if you are injured when a vehicle hits you. Coverages do vary by state, so be sure to check with your Travelers representative or local independent agent to verify what your policy covers.