I was the victim of a hit and run, am I covered?

I was the victim of a hit and run, am I covered?

Yes and no. If you have collision coverage on your policy you are covered. However the deductible still applies. Most people believe they are covered under Uninsured Motorists coverage. This is not the case. The company believes that you cannot prove if the motorist that hit your vehicle was uninsured. They also believe that most of the claims are for damage the insured caused to their own car. Even if you have a witness and police report, you will only be covered if the motorist that hit your car is identified and it is determined that they do not have coverage.