Question

Jason parked his car on a back street and walked to the bank. When he returned to his vehicle, the entire side of the car had been damaged. No one had witnessed the accident. Would any insurance coverage pay for the damages in this hit and run case? If so, what type?​

Answer 1

Answer:

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Explanation:

Insurance coverage for hit-and-run accidents can be categorized into two types: property damage coverages and bodily injury coverages. Here's how auto insurance may cover a hit-and-run, depending on which coverages you have.

Collision: Collision coverage protects you against any physical damage to your car that was caused by impact with another vehicle or a stationary object, regardless of fault. If your vehicle is damaged in a hit-and-run, collision will help cover the cost to repair or replace it after paying your deductible. Collision coverage is optional, but if you have a car loan or lease, it's probably required by your lender.

Generally, if you're involved in a hit-and-run accident, Medical Payments Coverage (also known as Med Pay) can cover medical expenses related to injuries to you or your passengers from an accident involving your vehicle, up to your policy limits. Typically, Med Pay coverage is optional. Med Pay may also cover you as a pedestrian if you are injured when a vehicle hits you. Coverages do vary by state, so be sure to check with your Travelers representative or local independent agent to verify what your policy covers.