Car accidents happen every day, and some of them involve hit-and-run incidents. A hit-and-run accident is when a driver hits another vehicle, property, or pedestrian and leaves the scene without providing their contact or insurance information.
While this can be frustrating and stressful, having proper insurance coverage can help ease the financial burden. This article will discuss hit-and-run coverage and how insurance agencies can help.
What Is Hit-and-Run Coverage
Hit-and-run coverage is an optional add-on to your auto insurance policy that covers damages from a hit-and-run accident. This can help pay for repairs to your vehicle or property, medical bills, and other expenses related to the accident. This coverage is not mandatory, but it is highly recommended, as it can provide financial protection in case of an accident.
How Does Hit-and-Run Coverage Work
If you are involved in a hit-and-run accident, the first step is to notify the police and your insurance agency. If you have hit-and-run coverage, your insurance agency will investigate the accident and determine the extent of the damages and the coverage you are entitled to.
This coverage typically has a deductible, which is the amount you pay out of pocket before your insurance coverage kicks in. The deductible varies depending on your policy. Once you pay the deductible, your insurance agency will cover the remaining costs up to the limit of your policy.
What Does Hit-and-Run Coverage Include
Hit-and-run coverage can include several types of expenses, depending on your policy. Here are some of the most common types of coverage:
- Property Damage: This type of coverage pays for repairs to your vehicle or property that was damaged in the accident.
- Bodily Injury: If you or your passengers were injured in the accident, your coverage could help pay for medical expenses, lost wages, and other related costs.
- Uninsured Motorist Coverage: If the driver who hit you does not have insurance, hit-and-run coverage can cover damages and injuries.
How Can Insurance Agencies Help
Insurance agencies can help you understand your policy and navigate the claims process. If you have hit-and-run coverage, your insurance agency will guide you through the steps you need to take after the accident, including filing a police report and submitting a claim.
Insurance agencies can also help you choose the right coverage for your needs. They can explain the different types of coverage available and help you determine the amount of coverage you need based on your budget and driving habits.
Finally, they can provide peace of mind. Knowing that you have adequate insurance coverage can help ease the stress and anxiety that comes with a hit-and-run accident. You can rest assured that your insurance agency will be there to help you through the claims process and provide the financial protection you need.
Conclusion
Hit-and-run accidents are a common occurrence on our roads, but having proper insurance coverage can help ease the financial burden. Hit-and-run coverage is an optional add-on to your car insurance policy that covers damages resulting from a hit-and-run accident.
Insurance agencies can help you understand your policy, choose the right coverage, and navigate the claims process. If you have hit-and-run coverage, you can rest assured that your insurance agency will be there to provide the financial protection you need.
If you need manufactured home insurance, boat insurance, auto insurance, or golf cart insurance, call Florida Manufactured Home Insurance Agency today. Our knowledgeable team is here to help you find the coverage you need. Learn more about hit-and-run coverage and auto insurance in Florida when you contact us today.
