An accident turns into a hit-and-run incident the moment someone drives away without leaving their details – and doing so is committing a crime. If your car is damaged by someone else in a hit and run, is it covered by your policy? Hit and runs are complicated and can affect your car insurance premiums and claims, but your car insurance might cover your damage and costs if you have comprehensive or collision cover.
Basic liability insurance typically won’t cover damage to your car from a hit and run, except in one very specific situation: if you have uninsured driver cover and the culprit was identified and found to be at fault for the accident and without third-party liability insurance. Because it can be difficult to find the driver and prove their guilt, this situation is pretty unlikely to occur.
Insurance companies can also punish these drivers by raising insurance costs or cancelling their policies. Whether car insurance covers a hit and run naturally depends on whether you are the culprit or the victim, and the situation.
If you are to blame, you won’t be able to claim from your car insurance. By driving away, you turn an accident into a crime, which your insurance won’t cover.
If you go out and find your car has been sideswiped or dented, it’s possible you will be covered. You generally need to have comprehensive cover or collision cover to successfully make a claim. Comprehensive cover helps with damage to your car from a wide range of sources, including other drivers and car accidents. Collision cover helps pay to repair your vehicle if you hit another car or another vehicle hits your car, regardless of fault and whether the other driver is found.
If you have cover for uninsured motorists, this might cover claims for a hit and run, but you’ll need to check with your provider, based on the law and exact cover.
In order to be found not at fault, you generally need to be able to indicate who caused the damage, and provide details of their registration and address. Naturally this is difficult to do if that person drove away after hitting your car.
One alternative is to avoid making a claim, and instead pursue the culprit through legal means. If they can be tracked down, they may be legally ordered to pay compensation for the damages. Even if you decide to go down this path, you should still let your insurer know what happened.
In short, if you can’t track down the driver who was at fault, then your only likely options are going to be one of the following:
If you are able track down the guilty driver, then you can opt for one of the following options:
A crime has been committed, so you should call the police. This is also your best bet for identifying the culprit.
As property damage is not generally an emergency, it’s best to call your local police department’s non-emergency number instead of 999.
To maximise your chances of getting claim cover and finding the culprit, you should try to determine the extent of the damage, and document the incident as soon as possible.
Ideally try not to drive anywhere else that day. If you do, make sure all the damage is well documented before you drive off.
If you do drive your car and it handles strangely, or it seems there may be more than just a cosmetic problem, then park it somewhere safe as soon as reasonably possible. Driving your car after it has been hit could increase any damage caused by the initial accident. Any subsequent damage from driving the car won’t be covered by insurance and may invalidate your claim.
There are some pros and cons when it comes to making a claim for car damages caused by a hit and run.
Any deductibles from a hit-and-run insurance claim depend on the accident and your cover. With uninsured motorist bodily injury cover, you could make a claim if you’re injured in a hit and run, and there’s typically no deductible to pay.
If your vehicle is damaged in a hit and run, your collision cover would kick in after you pay out of pocket for your deductible. And if you make a claim that involves multiple kinds of cover, including a claim for personal injury protection and collision cover, you might have to pay multiple deductibles.
You should contact a legal professional for advice.
What initially appeared to be a hit and run might actually be an accident on closer inspection. For example, if someone thought their car was damaged in a hit and run, but they later found a note that was left by the driver responsible, or if what appeared to be a dent from a car backing up in the parking lot turned out to be rust damage.
A good outcome would be if both you and the person whose car you hit pass the situation off to your insurers.
A hit and run is an illegal act, even if it doesn’t involve another person. Even hitting a parked car or any other type of property and then leaving the scene is considered a crime. The requirements are that the driver must at least stop and leave a note with insurance and contact details, and sometimes call for emergency services when needed.
Hitting a person then fleeing the scene is a much more serious offence, especially if a person was struck hard enough that you would reasonably assume they were badly injured or even killed.
The punishment, depending on the damage to other people or property, can include fines, imprisonment and temporary or permanent cancellation of the driver’s licence.
Being involved in a hit and run can be complex and confusing, especially if you’re facing significant damages. Document what happened thoroughly and talk to your car insurance provider about your claim. Compare car insurance options to find the best cover in a hit-and-run or other accident with your car.
| Response | |
|---|---|
| Yes | 43.7% |
| No | 33.91% |
| N/A I don't have a car | 22.38% |
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