What Happens to My Auto Insurance After a Hit & Run?

If someone hits your car and drives off, it’s called a hit and run. Imagine leaving the grocery store to find your bumper smashed with no note or witnesses. It’s not just the damage that’s frustrating; it’s the uncertainty about what to do next.

Why Are Hit & Runs Confusing?

Many drivers aren't sure what to do because we aren’t often taught how insurance works for these situations. But the more you know, the more protected you’ll be.

At Vargas & Vargas Insurance, we guide drivers through hit and run claims, breaking down the process in simple terms.

Key Questions Answered:

• What is a hit & run under Massachusetts law?
• What auto insurance helps in this situation?
• Will your premium go up?
• What immediate steps should you take?

What Is a "Hit & Run"?

A "hit and run" involves another driver damaging your car or injuring you and leaving without giving their info. It could happen in a parking lot, on the street, or even at home. Massachusetts law requires you to report it and file a claim.

Coverage That Helps in a Hit & Run

Your auto policy can help—if you have the right coverage.

• Uninsured Motorist Coverage (UM/UIM): Essential for covering injuries to you or passengers.
• Collision Coverage: Covers car damage but requires you to pay the deductible.

Note: Massachusetts is a no-fault state, needing collision and/or UM coverage for protection.

Will Your Insurance Rates Rise?

It depends. If considered a not-at-fault accident , rates might not increase. However, lack of a police report or a history of claims might affect rates. Reporting it properly is crucial.

What Actions Should You Take?

1. Call the police immediately to file a report.
2. Take photos of all damage and surroundings.
3. Seek witnesses or security camera footage.
4. Contact your insurance agent for advice on filing a claim.
5. Keep all records, like police reports and photos.

The Bottom Line

You can't control reckless drivers, but you can control your preparedness. Here's what you need to know:

• Have collision and uninsured motorist coverage for protection.
• A police report is essential.
• Your agent is your best ally for making claim decisions.

If you’ve returned to your car to find damage without a note, you know the stress. Now you know the steps to take and the protections you need.

At Vargas & Vargas Insurance, we’re here to make this simple and stress-free. Unsure if your policy protects you from a hit & run? Call us at 617-298-0655. Let’s ensure you’re covered before it happens.