You may not have to pay a deductible after a hit and run if you file a claim with your uninsured motorist coverage, depending on your state and policy details. On the other hand, if you are filing a claim using personal injury protection or collision insurance after a hit and run, your deductible still applies. In other words, whether or not you pay a deductible after a hit and run depends on the type of car insurance coverage that you’re using.
Collision insurance and personal injury protection (PIP) both apply to any accident you’re involved in, regardless of fault. If you are involved in a hit and run, collision insurance pays to repair or replace your car, while personal injury protection pays for your medical bills. Both types of coverage require a deductible. Uninsured/underinsured motorist bodily injury coverage (UMBI) can be used to pay for your medical bills after a hit and run, and does not require a deductible. On the other hand, uninsured/underinsured motorist property damage insurance (UMPD) usually requires a deductible, including in states like Virginia and North Carolina. In other states, like California and Illinois, UMPD cannot be used after a hit and run. And it’s not even available at all in certain states.
The best way to avoid paying a deductible after a hit and run is to locate the at-fault driver. In that case, the at-fault driver’s liability insurance would have to pay. So, if you witness a hit and run, take note of the license plate number and the vehicle’s make and model, then file a police report.
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