Leif Olson, Car Insurance Writer
@leif_olson_1
Yes, uninsured motorist does cover a hit-and-run in New Jersey. You can use uninsured motorist property damage insurance to repair or replace your vehicle after a hit-and-run in New Jersey, and you can use uninsured motorist bodily injury coverage if you are injured.
In New Jersey, you are required to pay a deductible of up to $500 when using uninsured motorist property damage coverage. Because of this deductible, you should only file a claim for a hit-and-run if the damage costs more to repair than $500.
What to Do After a Hit-and-Run
- Document the damage done to your vehicle.
- Take note of the offending car’s license plate, make and model (if possible).
- File a police report.
- Report the incident to your insurer.
To learn more, check out WalletHub’s guide to uninsured motorist coverage.
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