It is always a good idea to know how sufficient your auto insurance coverage is before you are involved in an accident. Hit and runs can be difficult because the other person has fled. Whether you hit them or they hit you, they are not around to deal with the consequences. Knowing that you are covered can provide significant peace of mind as you drive around Connecticut.
You may be covered on some aspects of a hit-and-run and not on others. This is why it’s good to look at all of the coverage options within a policy and know that there are different limits to choose from.
Collision coverage may be something that you already have in place, particularly if you have a lien holder that requires a certain limit. This form of coverage is going to pay for repairs on your vehicle, regardless of who was found at fault.
Personal injury protection, commonly referred to as PIP, can help to cover medical expenses and lost wages for you as the driver as well as anyone who may have been in the car with you. This is a particularly important level of coverage because you never know how severe the injuries could be and therefore medical expenses could be very high.
You don’t want to be financially responsible for any aspect of the hit-and-run. While you may have to pay a deductible, you don’t want to pay medical bills, auto repairs, or deal with lost wages. This is why it can also be advantageous to look into medical payments coverage as well as uninsured motorist.
At StateChoice, we have agents to help you find the necessary coverage to provide peace of mind in West Hartford. We will get quotes to help you compare rates, answer any questions you have, and help you throughout all of the steps for purchasing auto insurance.