Collierville, TN: Understanding Hit and Run Coverage

When it comes to being involved in a vehicular accident, most drivers make the right choice — they call the police to file a report. However, there are some people who choose to leave the scene of an accident, also known as a hit-and-run. Not all people who leave the scene of an accident are bad people. In fact, some simply become too emotional and flee the scene without even realizing what they are doing. Still yet, though, no matter their reasons, they are still liable for paying any fines and fees that are applied to them. If the accident was their fault, they are also responsible for making sure the damage is paid for. 

It depends on your insurance policy as to whether or not it will provide you with benefits in the event that a person leaves the scene of an accident and is never caught. If you have collision coverage, then you shouldn’t have to worry about being compensated for vehicular damage if you’re involved in an accident, regardless of the driver at fault. This type of coverage usually comes with a deductible that you will have to pay before any insurance money is paid out to you.                                                                                                                              

There are also other types of coverage that you’ll want to consider, including uninsured motorist body injury benefits and uninsured motorist property damage benefits. To learn more about these types of coverage, including whether or not you’re already covered during hit-and-run accidents, contact a qualified agent at the Brock and Poole Insurance Agency today. Serving the Collierville, TN area, one of these agents can assess your needs and determine the coverage options that best suited for you.