This is How Your Insurance Protects You After a Hit-and-Run Accident
Anytime you are involved in an accident you are required by law to stay at the scene, wait until the police arrive and make sure everyone is okay. But unfortunately, hit-and-run accidents are all too common in South Carolina. When a person leaves the scene of a crash, it becomes much more difficult for injured parties to recover compensation for medical bills, lost wages, and other damages.
However, there are still ways your auto insurance policy can help if your vehicle is damaged in a South Carolina hit-and-run accident. Below are a few specific coverage options that can help you in such a scenario.
Collision coverage compensates you for damage done to your vehicle if you hit another car or if another vehicle hits you. It is there to protect you regardless of who was at fault in the accident. To that end, if you are involved in a hit-and-run crash, you could still make a claim on your own policy, even if the other driver is never identified.
It is important to remember that collision coverage does come with a deductible, and so you must pay the full amount before your insurance policy will cover your accident, regardless of fault.
Uninsured motorist bodily injury coverage
Uninsured motorist bodily injury coverage can help you and any injured passengers cover the costs of medical care. Typically, this coverage is only used if you were involved in a crash with an at-fault driver who does not have insurance. However, uninsured motorist bodily injury liability may also provide coverage for hit-and-run accidents, depending on your policy.
Check with your car insurance agent to see how much coverage you have and what would happen after a potential hit and run.
Uninsured motorist property damage coverage
Uninsured motorist property damage coverage protects you against any damage done to your vehicle by an at-fault driver without insurance. Like bodily injury coverage, it may also assist you after a hit and run—although again, that depends on what your specific policy covers.
It’s best to double-check with your agent to make sure your policy does cover vehicle damage that was the fault of a hit-and-run driver.
Personal injury protection
Personal injury protection (PIP) may provide no-fault medical coverage for bills that you or your passengers incur. It may also protect against lost wages and cover the costs of services you need while recovering, such as childcare. PIP usually comes with a deductible, and coverage limits may apply. Your insurance agent can help you determine how much coverage is appropriate for your circumstances and needs.
For more information on the various protections available to you when it comes to hit-and-run crashes, meet with an experienced South Carolina auto accident attorney.