My parked car was in a hit and run accident. I only have liability. I know connecticut requires uninsured motorist insurance. Am i covered?
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UPDATED: Jul 16, 2014
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Insurance Question from Wilton, CT
Asked on 07/16/2014
My parked car was in a hit and run accident. I only have liability. I know connecticut requires uninsured motorist insurance. Am i covered? NULL
Answer given on July 17, 2014
Unfortunately, you are not covered for damage to your car, even under the uninsured and underinsured driver coverage. This type of coverage is only for bodily injury caused by an uninsured or underinsured driver. Some states and insurance companies offer uninsured motorist property damage insurance, but that type of coverage does not include hit and run damages. It is only a coverage if the other driver is identifiable.You may want to check the area where your car was struck to see if there were any witnesses, or any cameras which may have caught the accident on tape. You should also file a report with the police as they may have some information regarding the accident. They may be able to find the damaged car that caused the accident, depending upon the size of the town and their ability to contact repair garages for such damage. Otherwise, you do not have any recourse in getting your car repaired except out of your own pocket.
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