When you’re involved in a collision and the other driver leaves the scene, it’s called a “hit and run.” Whether you were in your vehicle when it was hit or someone dented it in the parking lot when you weren’t around, we’re here to make sure you know what to do next and what will happen if you make an insurance claim.
If your vehicle has been hit in a hit and run:
When your vehicle is damaged in a hit and run collision, the damage is generally covered under the collision section of your car insurance policy, meaning you will need to pay your collision deductible. Collision coverage is optional, and some drivers choose to opt out of this coverage. If you don’t have collision coverage, you will have to pay to repair the damage yourself.
If your vehicle is hit in a hit and run but you don’t have collision coverage, you will have to pay to repair the damage yourself.
If a witness can help identify the driver of the vehicle that hit you and you live in a province where Direct Compensation Property Damage (DCPD) coverage applies, your claim may be covered under the DCPD section of your policy instead of under the collision section. DCPD coverage usually has a $0 deductible.
Making an insurance claim after another driver has damaged your vehicle in a hit and run should not have an impact on your premium as long as you have reported the incident to the police and your insurance company considers it a “not-at-fault” loss. If the cost of your insurance does go up following this type of claim, it would be for other reasons not related to the hit and run.
If you have any questions about how your own insurance policy would apply in the event of a hit and run collision, reach out to your licensed car insurance broker.
Written by Stephanie Fereiro