Your Auto Insurance and the "Hit and Run"

Nevada Insurance Enrollment Explains How a Hit and Run Affects Your Auto Insurance Premium

LAS VEGAS - nvtip -- According to, the definition of a Hit and Run is: "any accident in which a driver intentionally leaves the scene without providing contact information".

If your car was hit by someone and they do the legal and right thing by admitting it, and paying for it, all is well. The "at fault" driver's insurance will cover it under their "property damage" portion of their insurance for your car to be fixed. But what if someone hits your beautiful new 2016 Kia Optima while you are in the store helping your teenage daughter buy make-up (yes, true story) and you come out of the store to find your beautiful red sweet ride not so shiny and perfect anymore (aarrgghh!!!!!!!! SCREAM!!!). You find no note with insurance information, and this person did not have the common decency or class to handle their error, they just drove off (which is illegal and known as a hit-and-run). What do you do?

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Well the damages would be covered under your own collision coverage. You'd have to pay your deductible which is a total bummer. Your collision coverage protects your car no matter who was at fault, thank heavens! Hopefully, you have collision on your policy, either way, you'd contact your agent.

In Cases of Emergency

The above story was a scenario in which there weren't any injuries. But what if there are injuries? Many people across Nevada are hit daily in which the perpetrator takes off without taking responsibility. This is a hit-and-run scenario. Hit and run is a very serious offence in which one could spend time in jail for. If there are injuries to you or your passengers, and if you have "uninsured motorist", this portion of your insurance will cover your injuries up to your policy limits. Ask your agent about uninsured or underinsured motorist. Uninsured/underinsured motorist is not a requirement from the state to have, but it is very common to have it as part of "full coverage" and is definitely a smart idea to have on your policy.

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Nevada Insurance Enrollment
4260 W. Craig Road suite #150-A
North Las Vegas, NV 89032
(702) 898-0554

Nevada Insurance Enrollment
Shelly Rogers

Source: Nevada Insurance Enrollment
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