Car Insurance Quotes Get auto insurance quotes. Enter your ZIP code:
CarInsurance.com
CarInsurance.com Navigation

Get Free Quotes Now

Zip Code:
Save With CarInsurance.com!
Car Insurance Learning Center  Learning Center  Auto Insurance Questions & Answers   Questions & Answers  Professional Answers   Professional Answer

Car Insurance Question  Does uninsured motorist coverage in the State of Ohio include "hit and run" property damage?

According to the Ohio Department of Insurance when you buy liability insurance, your insurance agent or company may offer you Uninsured and Underinsured Motorist (UM/UIM) bodily injury coverage. This coverage takes the place of the liability coverage the other driver did not have and pays for injuries to you and your passengers when the other driver did not have enough insurance to pay for your injuries.

If you purchase this coverage, you cannot buy more coverage for UM/UIM BI than you have for liability coverage. Ohio law does not allow you to protect yourself better than you protect others.

Uninsured motorist property damage (UMPD) is a separate type of UM coverage that pays for physical damages to property caused by an uninsured driver. However, since collision and UMPD pay for the same damages, you do not need UMPD if you have collision coverage.

Normally if you are involved in an accident with an unidentifiable driver, you must show that his or her negligence caused the accident and your resulting injuries and property damage. The OH DOI does not mention if UMPD will cover a hit and run accident or not so if you already have this coverage read your policy and/or ask your agent.

Typically, this should be covered under Comprehensive and/or Comprehensive/Other Than Collision coverage and not UMPD.

If you are thinking of purchasing UMPD coverage for your vehicle in Ohio, check with the insurance company you are going through to find out if damage from a hit and run would be covered with this or if you would be better off with collision coverage instead.

Related Questions
Car Insurance RelatedWhat can I do to protect myself against uninsured drivers?
Car Insurance RelatedHow much coverage should I carry for uninsured and underinsured motorist coverage?
Car Insurance RelatedMy son (23) just got into a wreck with 2 other cars and totaled his car and it was his fault. As it turns out his insurance had cancelled on him before the wreck. Will he have to pay out of pocket for...
Car Insurance RelatedI was involved in a hit and run accident. There is $4,000 worth of damage to my car, I got the other license number but the tags came back to a different car. How should the hit and run claim be filed...
Car Insurance RelatedI was involved in a hit and run accident where the person that hit me drove off. I located this person by her license plate number but how can I find out who her auto insurance carrier is? I have all...
Car Insurance RelatedSomeone in another car backed out of a parking place at a store, scratched the side of my car while it was parked, and left the scene. Is that considered collision or comprehensive?
Car Insurance RelatedI live in Pennsylvania and one of my vehicles was parked in front of my home when it was hit by another car, I assume. My vehicle has no collision coverage, but does have comprehensive as well as uni...
Car Insurance RelatedMy wife and I were Christmas shopping and when we returned to our car in the parking lot, we discovered that someone had hit our car, leaving a fair amount of damage to the rear left bumper and fender...
Car Insurance RelatedI live in Ohio. I was parked in a no-parking zone, without blocking traffic, while I went to get something inside a building. A U-Haul truck made a sharp turn and hit my car. Am I at fault since it...
Car Insurance RelatedIn North Carolina does uninsured or under insured motorist policy cover damages resulting from a hit and run?
Car Insurance RelatedWhat is the penalty for driving without car insurance in Toledo, Ohio?
Car Insurance RelatedIs it legal for an auto insurance company to sell uninsured motorist coverage without including coverage for collision damage by an uninsured motorist? In other words, medical coverage only? An unin...
Car Insurance RelatedIf someone gets in an accident on private property, in this case, a parking lot, who is at fault? How will the insurance company handle? Is there a no fault policy in the state of Ohio in this instanc...
Tell us what you think about this answer.
What did you think of this question and answer?

poor 
1
2
3
4
5
6
7
8
9
10

 excellent
Tell us why you rated this car insurance question and answer this way:
Visitor Comments
No visitors have commented on this answer.
Question Details
This car insurance question was asked on 9/12/2006
This auto insurance answer was last updated on 9/14/2006
Brenda requested this car insurance solution.
Rated 0 out of 10 based on 0 votes.
Claims
Print Car Insurance Answers Print this car insurance question and answer
Email Car Insurance Answers Email this auto insurance answer
Disclaimer: Answers and comments provided are for information purposes. They are not intended to substitute informed professional advice. These responses should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice. Please refer to your insurance policy for specific coverage and exclusion information. Please read our Terms Of Use.
©2008 CarInsurance.com, Inc. - Online Insurance Marketplace™
safe and secure auto insurance   better business bureau car insurance   Tested, Safe, and Secure Car Insurance