How To Look For Hit & Run Coverage On Car Insurance

Hit and run accidents are always the worst. Someone hits you and then they run off, leaving you to deal with everything. When you’re in Georgia, there are some precautions you can take on your auto insurance to minimize what you would pay out of pocket.

When you look for coverage, you want to have what the state requires, as well as a few other forms of coverage.

Uninsured Motorist

Uninsured Motorist coverage applies if another party hits you that does not have insurance, or if a verifiable at-fault party leaves the scene of an accident. Uninsured Motorist is a no-fault coverage which includes separate limits for both bodily injury and property damage. The bodily injury will cover medical bills for you and your passengers while the property damage can cover issues with your car as well as any other property that may have been damaged as a result of the accident.

If you are involved in a hit and run accident, if at all possible, attain as much information as you can from the scene of the accident.  This includes documenting a license plate number from other vehicle(s), attaining names and contact information for all witnesses at the scene and getting a police report.  It is also important to take multiple pictures of the accident scene.

Collision Coverage

Collision is another form of optional coverage, though if you are leasing a car or it has not been paid in full, the finance company may require this form of coverage anyway. If you don’t want to pay for the repairs of the car on your own, this is the coverage that is likely going to pay for all of the repairs.

At LG Insurance Group, we are committed to helping protect against hit and runs and more. Call today to learn how one of our agents can help you find a policy for auto insurance that you can count on in Marrietta.