Good question. If you’re involved in a hit-and-run accident, you’ll hopefully have either collision or uninsured motorist property damage coverage. Collision coverage helps protect you no matter who is at fault in an accident, so typically you’ll be able to use this coverage to make a claim. Keep in mind, you’ll be responsible for a deductible if you use your collision coverage.
Depending on your state, uninsured motorist property damage coverage may also help cover repair costs if your car is damaged in a hit-and-run. Like collision, uninsured motorist property damage coverage generally has a deductible that you’ll be responsible for paying.