Car Accident Insurance Against Hit-And-Run
Reader’s Question:
A friend of mine was a victim of hit-and-run here in Washington and the good thing is that he did not sustain any injury. But his car was damaged and his own insurance paid for it but he also paid the deductible. What types of coverage are recommended for a driver to have for protection against hit-and-run?
Benjamin
East Seattle, WA
Drivers can have the financial protection that they need if they become a victim of hit-and-run by getting the following types of coverage as part of their accident insurance:
Uninsured Motorist Coverage
Without the identity of the other driver is identical as getting into an accident involving an uninsured motorist. Uninsured motorist coverage would cover injury and damages brought about by an uninsured or hit-and-run motorist but it is not required in the state of Washington.
Replacement Rental Car Coverage
A number of car insurance carriers don’t necessarily cover the expenses of a short-term replacement vehicle while your car is being fixed, even in cases such as the damage was due to a hit-and-run.
Majority of the vehicles are in a repair shop after a crash. To think that the normal rate per day for a rental vehicle is $50, it could end up paying more for a day of renting a vehicle than for an annual coverage for replacement rental vehicle coverage in your accident insurance.
A lot of people think that we are ready in the event of an accident, but most of us don’t spend time to go over and be familiar with what’s in our accident insurance. Most of the underwriting of an accident insurance are quite particular and gives thorough description of what’s really involved in the accident insurance.