Navigating the Aftermath: Understanding Insurance Coverage for Hit-and-Run Accidents

In the unfortunate event of a hit-and-run, collision coverage steps in to cover the costs of repairing or replacing a vehicle, after the deductible has been met…”

— Dan Burghardt


In the wake of a hit-and-run accident, victims often find themselves facing not only the physical repercussions but also the daunting task of navigating the complexities of insurance claims. Dan Burghardt, owner of Dan Burghardt Insurance in Louisiana, sheds light on the essential aspects of insurance coverage that come into play during such stressful times, aiming to demystify the process and offer guidance to those affected.

Property Damage Coverages: A Closer Look

When it comes to property damage resulting from a hit-and-run incident, there are two primary types of insurance coverages that provide protection: collision coverage and uninsured motorist property damage (UMPD) coverage.

Collision Coverage: The Shield Against Physical Damage

Collision coverage serves as a critical layer of protection, covering any physical damage to a vehicle caused by an impact, regardless of who is at fault. “In the unfortunate event of a hit-and-run, collision coverage steps in to cover the costs of repairing or replacing a vehicle, after the deductible has been met,” explains Burghardt. While optional, this coverage is often required by lenders for those with a car loan or lease.

Uninsured Motorist Property Damage (UMPD): A Vital Safeguard

In most states, a driver who leaves the scene of an accident is considered uninsured by insurance standards. UMPD coverage is specifically designed to address damage to a car caused by such incidents. “It’s a relatively inexpensive addition to a policy that can make a significant difference in hit-and-run situations,” Burghardt notes. However, the applicability of UMPD can vary based on state regulations, and in some cases, direct contact with the hit-and-run vehicle or identification of the at-fault driver may be required for coverage to apply.

Special Considerations for UMPD Coverage

It’s important to understand the nuances of UMPD coverage, as its applicability can be contingent upon specific circumstances, such as the requirement for physical contact with the hit-and-run vehicle in some states. “This is why having collision coverage can be a crucial safety net, providing coverage regardless of these variables,” Burghardt advises.

The Harsh Reality of Uninsured Drivers

The issue of uninsured drivers is a significant concern nationwide, with nearly 13% of drivers lacking insurance. The situation is even more pronounced in Louisiana, where the combination of high auto insurance rates and lower household income levels pushes the percentage of uninsured drivers closer to 30%. This stark reality underscores the importance of being adequately insured against potential hit-and-run incidents.

Navigating the Claims Process

In the aftermath of a hit-and-run, the process of filing a claim can be overwhelming. Burghardt emphasizes the importance of being informed and prepared. “Understanding coverages and the specifics of policies can expedite the claims process and help ensure that compensation is received,” he states.

Seeking Compensation: The Role of Insurance

For those without collision or UMPD coverage, the prospects of receiving compensation for a hit-and-run can seem bleak. “The goal is to educate clients on the importance of having comprehensive coverage to protect against such unpredictable events,” says Burghardt. In cases where the at-fault driver cannot be found, having the right insurance coverages in place becomes even more critical.

Final Thoughts

The aftermath of a hit-and-run accident can be a tumultuous time, filled with uncertainty and frustration. However, with the right insurance coverage and knowledge, victims can navigate the claims process with greater ease and confidence. Dan Burghardt Insurance remains committed to guiding Louisiana residents through these challenging times, offering expertise and support every step of the way. “The mission is to ensure that clients are not only well-protected but also well-informed, enabling them to face the unexpected with resilience and peace of mind,” concludes Burghardt.

Morgan Thomas
Rhino Digital, LLC
+1 504-875-5036
email us here

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