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Car Insurance Question  I was involved in an hit-and-run accident. Since the person who hit me ran off, there were no witness, but I can get a copy of the police report for insurance purposes. I don't have full coverage, but I do have liability with uninsured motorists with bodily injury @ 25k/50k limits and uninsured motorist of property damage @ 20k. Will my insurance company pay to fix my car?

You will need to check with your agent and read over your uninsured motorist property damage (UMPD) portion of the policy to see if the hit and run will be covered.

Normally UMPD will cover damages to your vehicle by a motorist that is found to be uninsured or by a hit and run driver. Though there are some states and insurance companies that have very specific requirements with regards to UMPD claims from hit and run drivers, such as having a witness, a police report, etc.

To find out what your insurance company requires of you to make a claim through your uninsured motorist property damage speak to your insurance agent or claims adjuster assigned to your claim. For state insurance laws regarding this type of claim you can contact the consumer division of the state's insurance regulator.

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This car insurance question was asked on 2/11/2007
This auto insurance answer was last updated on 2/16/2007
Tammy requested this car insurance solution.
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