A hit-and-run accident can be a frustrating experience for drivers. Sometimes the police can locate the driver, but often the driver remains unknown.
Learning about how hit-and-run accident claims work can help you prepare for what to do if a hit-and-run driver causes an accident.
Underinsured and uninsured motorist coverage for hit-and-run accidents
Delaware law requires automobile insurance companies to offer underinsured and uninsured motorist coverage. Yet, motorists are not required to buy either. Both may apply to a hit-and-run accident. Many hit-and-run drivers do not have enough insurance to pay for the damages they cause. If the police are able to find the driver, underinsured motorist coverage may apply. This coverage pays the difference between the damages owed by underinsured drivers and the amount of insurance they have.
Uninsured motorist coverage pays for damages owed by a driver with no insurance. If the driver remains unknown or has no insurance, then this coverage may apply. To use either, the hit-and-run driver must be at fault for the accident.
Other insurance coverage for hit-and-run accidents
Delaware code requires all insurance policies to include personal injury protection coverage. PIP covers medical expenses, lost wages, and other injury-related expenses for drivers and passengers. Motorists can use PIP for injuries that occur during a hit-and-run accident. Vehicle owners may also use their collision coverage to pay for damages to a covered vehicle.
Many hit-and-run drivers are never identified. People injured in these types of crashes often must rely on their own insurance policy to pay for damages.