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Hit and Run Accident Insurance

There are a variety of obstacles that we all face to get out on the open road. We have to tackle passing driver's education, taking the driver's test, and accumulating enough experience to be confident on the road. No matter how hard we all strive for perfection though, very few of us ever end up with a clean driving record. Always remember that different insurers offer different rates, this is why it is important to get a car insurance quote from multiple companies every time your car insurance policy renews. No matter how cautious you are, accidents happen, and what's most unfortunate about that is the existence of hit-and-run accidents - that special breed of reckless behavior that comes out of nowhere and leaves a person angry, confused, and scared all at the same time. There is not much to do in the face of such events, but there are some precautions you can take ahead of time to make sure that you don't have to pay a lot of money because of someone else's negligence. The best way to do this is by getting hit-and-run auto insurance.

Hit and run accident insurance coverage is exactly what it sounds like; it is coverage for when an accident occurs and the driver flees the scene of the crime. Often these careless drivers will leave because they are afraid of getting in trouble or they do not have any auto insurance to cover the damages. Then again, there are those particularly reckless drivers who flee the scene because they are wanted for arrest and cannot risk being around the police. Whatever the case may be, sometimes you just end up stuck in a situation where the only person that is going to be able to pay for the damages is you. Is that fair? No. Does it happen? All the time…

Why Should I Get Hit and Run Coverage?

To put it simply, you must obtain quality car insurance if you are ever going to be safe on the road. Even the most cautious of drivers encounter hit and run situations, so by investing in a good policy, you can eliminate the stress that might occur when you realize how much you may have to pay in damages. Always be sure to get multiple car insurance quotes when on an annual basis. You'll already miss out on the chance to look the other driver in the eye and yell at him, so there's no sense in adding anything else to your frustration. Money should be the least of your worries at that point.

For the most part, standard car insurance policies should already allot for hit-and-run auto insurance. Most states require that to be included as part of the terms so that everyone can receive the coverage they need. That said, it can't hurt to ask your vehicle insurance agent if you do have that coverage available. If it is not included in your plan, you may want to get a free quote for the rates of various policies with a hit-and-run clause in them. If you are in the process of looking for auto insurance anyways, then shop around so that you can get a good deal. There are a lot of cheap, high quality car insurance plans out there. You just have to go out and find them.

What is Covered in My Insurance Policy?

You need to be informed about everything that your hit-and-run car insurance covers so that you know whether to upgrade to a better plan or prepare for certain costs in the accident. Ask your auto insurance agent if your plan will cover medical expenses, damages to your car, and potentially damages to passengers in the vehicle. You may have to combine this policy with another to gain all the coverage that you need, so just be prepared for increased premiums if they are deemed necessary. Though it may not seem worth that extra few dollars a month, you'll find that when facing thousands of dollars in accident expenses, those few dollars will look like life savers.

If you find a plan that's right for you, then go ahead and purchase it. Be sure that the auto insurance is activated as soon as you pay so that you can safely drive on the road. A lot of times your vehicle insurance company will cover costs even if the culprit can be identified, but that is something that you should ask ahead of time. Be sure to get all of your questions out before you leave the office so you know exactly what to expect if a hit-and-run occurs.

If you are involved in such an accident, it's important that you gather any information that you can from witnesses in the area as you will need them to prove your case. Get the phone number, address, and name of anyone who may have seen the accident so that you can contact them for witness statements come your trial time. These people will be crucial for determining the success of your hit-and-run auto insurance case, so you have to make sure that you talk to them in advance so that you gather a valid defense.

Filing a Claim

You will have to file a series of reports with the police department and the car insurance company verifying what happened in the accident, when it happened, where it happened, and who saw it. You must be completely truthful when talking about the events as you could be charged with fraud or perjury if you lie in your reports. If there is a part of the accident that doesn't stick out in your mind, do not include it in the reports. Often people make the mistake of filling in information that they don't actually remember but think will be helpful to their case if included. That is still considered lying.

Remember that you will have witnesses who will tell their story too, so if there is a large discrepancy between what they say and what you say, your case will likely be dismissed and you may be charged for fraud. Proving that a hit-and-run occurred is hard enough without having to lie on top of it. Make sure that you write down only what you remember and let the other people or even the judge fill in the rest.

If your hit-and-run auto insurance claim passes through the court system, you should receive a check for the cost of damages and medical expenses. A note of the event will go in your auto insurance file, but the case should be reported without you at fault. You should be cautious about that though as some times there are mistakes in the filing. Check your driving record and car insurance record for several months after the accident to ensure that everything was reported correctly. After that, you should be able to get past the unfortunate accident and be free once again. Always remember to get a car insurance quote from multiple insurers to ensure you are getting the cheapest car insurance rate for your coverage.

Hit and run accidents happen. That may not be the easiest thing to hear, but it's the truth. You can't stop them, and you can't foresee them. All you can do is prepare for them ahead of time and recover afterwards. The right hit-and-run auto insurance policy can help make your experience a bit easier, even if it increases your premiums every month. Do yourself a favor and make the investment in some hit-and-run insurance. It doesn't take much time and the rewards are immeasurable. The amount of stress and money that you save once the accident happens will be well worth the small monthly addition.

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