Does Car Insurance Cover a Hit and Run?
Yes — a hit and run is usually covered by uninsured motorist or collision coverage, since the at-fault driver can’t be identified to pay.
By the Home & Dime Editorial Team · Updated 2026
Which coverage applies
- Uninsured motorist (for injuries, and property damage in some states).
- Collision (for your car’s damage), minus deductible.
Frequently asked questions
Do I pay a deductible?
With collision, yes; UM property damage may have a smaller one.
Should I file a police report?
Yes — it’s important for a hit-and-run claim.
Related guides
Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.
Part of our Auto Insurance guide
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