Can two different hit and run accidents on the same vehicle be filed as one claim on uninsured motorists if occurred at different times of the year?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Jan 14, 2016
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Golden, TX
Asked on 01/14/2016
Can two different hit and run accidents on the same vehicle be filed as one claim on uninsured motorists if occurred at different times of the year? My vehicle was hit in a store parking lot early last year and they left the scene. I filed a report with police but have not gotten around to getting my vehicle repaired. Another incident happened before Christmas and my truck was hit again in a different spot and different location and person left the scene without giving me their name, etc. Can both of these accidents be filed to insurance as one claim under my uninsured motorists even though they occurred at different times of the year?
Answer given on January 16, 2016
Hit and run incidents are considered separate accidents under your automobile insurance. The claim needs to be filed under your collision insurance and your deductible will apply to each claim. It is good that you filed a police report because it supports your claim of a hit and run. Based on this and presumed police report on the second accident, your insurance company should not charge you for either accident so they should not affect your rates.Uninsured motorist coverage is generally involved in bodily injury from an uninsured or underinsured driver. If you happen to have uninsured motorist property damage, then it will cover for damages to the car but only for an “identifiable” driver. Unfortunately, this is required because someone could back into a wall or something and try to claim it as hit and run.If you do not have collision coverage on your truck, then you will have to pay for all damages yourself.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.