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


Carlos Vargas |Nov 30 2025 10:00

Imagine this: you come out of the grocery store, and your bumper is smashed. No note, no witnesses—just damage and a lot of frustration. This is a hit and run, and if it’s ever happened to you, you know it raises a lot of questions.

Understanding a Hit & Run

A hit and run occurs when another driver damages your car or injures you and then leaves without sharing their information. This can happen:

  • In a parking lot
  • On the road
  • Even while your car is parked at home

Under Massachusetts law, leaving the scene of an accident is illegal, placing the responsibility on you, the victim, to report and file a claim.

Essential Insurance Coverage

To safeguard against hit and run situations, having the right coverage is essential:

  • Uninsured Motorist Coverage (UM/UIM): This helps cover injuries if the driver cannot be identified. However, it does not usually cover damage to the vehicle.
  • Collision Coverage: This pays for the damage to your car after a hit and run. Keep in mind, you'll be responsible for the deductible.

Massachusetts is a no-fault state, but that doesn't mean hit and run damage is automatically covered. Ensure you have the necessary collision and/or UM coverage.

The Role of a Personal Liability Policy

A personal liability policy can be particularly valuable in these situations. While it doesn't directly pay for the damages to your vehicle, it often helps protect you from any further claims or lawsuits resulting from the incident, should there be any legal complications. Moreover, it covers other aspects that might not be included in your standard auto policy, such as covering legal fees if needed.

Will Your Insurance Premiums Increase?

Whether your premiums increase depends on several factors. If your claim is handled as a not-at-fault accident, your rates may remain unchanged. A police report can help support this status. However, if there's no report or a claim history, insurers might view it as a risk factor. Speak with your broker to clarify any potential impact.

Steps to Follow After a Hit & Run

Here’s how to best handle the aftermath:

  1. Contact the police immediately: Filing a report is crucial to establish the incident as a hit and run.
  2. Document everything: Take photos of the damage, surroundings, and any other relevant details.
  3. Seek witnesses: Look for people who might have seen the incident or security cameras that could have recorded it.
  4. Contact your insurance broker: Our team at Vargas & Vargas Insurance is here to help you understand your options before filing a claim.
  5. Keep all records: Save police reports, photos, and repair estimates to substantiate your claim.

Your Broker: Your Best Ally

Your broker plays a vital role in navigating these situations. With the assistance of Vargas & Vargas Insurance, you’ll find the process straightforward, ensuring you have the necessary protection.

Prepare with Vargas & Vargas Insurance

While you can’t control reckless drivers, you can be prepared. By reviewing your policies with us, you can ensure you’re covered for any hit and run scenarios. Call us at (617) 298-0655 to discuss your needs. We’re committed to making insurance simple and understandable, so you’re never caught off guard.