As a driver, having adequate insurance coverage is essential. Good insurance boosts your confidence on the road, knowing it will protect you if an accident occurs. But what if you find yourself the victim of a hit-and-run?
When the other driver flees, the uncertainty and anxiety can be overwhelming. You may wonder if your insurance will cover the damages when the responsible party is nowhere to be found. The good news is that your insurance policy may provide compensation for your damages, depending on the types of coverage you have.
Key insurance coverages that may apply
Your insurance policy may offer several options to help you recover damages after a hit-and-run accident. These include:
- Collision: This type of coverage pays for damages to your vehicle, regardless of who was at fault.
- Uninsured motorist: In Connecticut, this coverage is mandatory and can be particularly helpful in hit-and-run cases. It typically steps in when the at-fault driver is uninsured or, as in a hit-and-run, unknown.
- Underinsured motorist: While less directly applicable to hit-and-runs, this coverage can help if the at-fault driver is later identified but does not have enough insurance to cover your damages.
- Personal injury protection: Also known as PIP, this coverage pays for medical expenses and lost wages, regardless of who caused the accident.
If you find yourself involved in a hit-and-run in Connecticut, review your insurance policy to determine which types of coverage apply. Do not hesitate to reach out to your insurance company to file a claim.
What to expect in the aftermath
Once you file a claim, your insurer will investigate the accident and determine the value of your claim. They may request documentation, such as police reports, medical records and repair estimates, to support your claim. By understanding your options and cooperating fully with your insurer, you can enhance your chances of receiving the compensation you need for your recovery.
