Hit-and-Run Accident Indiana: What to Do Next
You finish your grocery shopping, load your bags into the car, get ready to get in the car then you notice it.
A dent in your door. A scrape along your bumper. Maybe even a broken mirror.
You look around the parking lot, hoping the person who hit you is nearby, but they’re gone. No note, no insurance information, no explanation. Just you, your damaged vehicle, and one big question:
“Now what?”
Whether it happens in a parking lot, at an intersection, or on the highway, being left behind after an accident can feel frustrating and overwhelming.
At Isch Insurance Agency, we help clients navigate stressful situations like these. While we can’t prevent every accident, we can help you understand what to do next and make sure you know how your coverage works before you need it.
What Should You Do After a Hit-and-Run Accident?
Does Insurance Cover a Hit-and-Run?
It depends on your policy.
If the other driver is found, their insurance may help cover the damage. But when a driver disappears, your own policy is what protects you.
Collision coverage may help repair your vehicle after a hit-and-run, subject to your deductible. It’s the coverage you hope you never need, but you’ll be thankful you have it if you do.
If you’re injured, uninsured and underinsured motorist coverage may help cover medical expenses when the other driver has no insurance, not enough coverage, or leaves the scene.
The biggest takeaway? The best time to review your coverage is before an accident happens, not after. That’s where having the right protection can make all the difference.
Most people ask: “Am I covered?”
A better question is: “What happens if the other driver disappears?”
No one plans for a hit-and-run accident. But you can prepare for one.
At Isch Insurance Agency, we believe insurance should be easy to understand. We’re here to answer questions, explain your coverage, and help you feel confident before the unexpected happens. Not sure what your auto policy covers? Let’s review it together.