{"id":191,"date":"2017-04-13T01:11:09","date_gmt":"2017-04-13T01:11:09","guid":{"rendered":"http:\/\/www.963thebuzzard.com\/?p=191"},"modified":"2017-04-13T01:33:40","modified_gmt":"2017-04-13T01:33:40","slug":"hit-and-run-accident-insurance","status":"publish","type":"post","link":"https:\/\/www.963thebuzzard.com\/hit-and-run-accident-insurance\/","title":{"rendered":"Hit and Run Accident Insurance"},"content":{"rendered":"
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Hit and Run Accident Insurance<\/h3>\n

Hit and run accident insurance is covered under uninsured motorist (UM) bodily injury and property damage coverage on an insurance policy. This coverage is very valuable because a driver\u2019s other type of coverage may not cover the damages or bodily injuries caused by a hit and run or \u201cphantom\u201d driver.\"car<\/a>
\nfor more Information about the Best San Antonio Car Insurance<\/a>
\nUninsured motorists are drivers who have not followed the rules of their states and prepared to take financial responsibility for car collisions that they cause, and hit and run drivers often fall under this category. These people are breaking the laws of their states when they decide to leave the scene of an accident without leaving their insurance information.<\/p>\n

Often hit and run drivers do not have insurance and flee the scene as they do want to be caught and held responsible for paying for the damage caused. In some states, UM is required coverage.<\/p>\n

Uninsured Drivers Face Stiffer Penalties in Texas <\/strong><\/p>\n

H3>States With the Most Uninsured Drivers<\/h3>\n

Since people cannot purchase hit and run car insurance, they will want to inquire into the uninsured motorist insurance policies that their companies offer. This coverage is especially helpful for those who are in states where there is a high number of people driving without insurance.<\/p>\n

The Insurance Research Council discovered that the states with the highest numbers of uninsured motorists currently are:<\/strong><\/p>\n

New Mexico; with 29 percent of its drivers uninsured
\nMississippi; at 28 percent
\nAlabama; at 26 percent
\nOklahoma; at 24 percent
\nFlorida; at 23 percent<\/em><\/p>\n

Since it is highly likely that uninsured motorists are going to be the ones who will flee an accident that they have caused, uninsured motorist coverage would be very helpful to drivers in these states.<\/p>\n

Uninsured Motorist Bodily Injury and Property Damage<\/h3>\n

Auto insurance companies<\/a> uninsured motorist coverage that covers property
\ndamages, so innocent drivers, passengers and property owners who need to have their
\nvehicles repaired or replaced will have money for these purposes. People will be able to purchase uninsured motorist coverage for their bodily injuries. When policyholders need to access their uninsured motorist coverage, they will not be deemed responsible and see their rates increase because they filed a claim.\"car<\/a><\/p>\n

People who will be covered on the uninsured motorist bodily injury policies include:<\/h3>\n

The policy holder
\nMembers of the policy holder\u2019s household
\nThe policy holder\u2019s passengers<\/strong><\/p>\n

After being struck by a hit and run driver, an uninsured motorist policy will pay the insured\u2019s medical bills and other economic damages pursuant to the policy. Those who purchase uninsured property damage coverage will receive payment for their repair bills up until the limits of the policy.<\/p>\n