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Car Insurance Question  I have basic No Fault coverage on my car. Someone hit it backing out of a driveway and drove away (hit-and-run). Can I get my insurance carrier to cover the damages or will I need to find who caused the damages and file a claim against their carrier?

There are many states that require different types of basic "No-Fault" car insurance so without knowing your specifics insurance coverages it is difficult to say if you would be covered for this hit and run accident.

If your No-Fault insurance policy only includes Personal Injury Protection (PIP) and property damage liability then your vehicle would not be covered. If you have uninsured motorist property damage (UMPD) as part of your insurance policy then normally damages caused by a hit and run motorist to your vehicle would be covered but you would have to check your policy to make certain.

Without UMPD you would need to carry auto insurance above No-Fault coverages such as physical damage coverages of collision and comprehensive to cover your own vehicle when it is damaged. Without any of these coverages listed above you indeed would need to find the at-fault party in order to place a claim through their liability policy for the damages they caused in this hit and run incident.

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This car insurance question was asked on 11/21/2006
This auto insurance answer was last updated on 11/29/2006
Shayla B requested this car insurance solution.
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