Blog Hit And Run Insurance In Ontario : Are You Covered?

Sep 24, 2020

Perhaps the only thing worse than getting into a collision is a hit and run. Having another driver hit your vehicle and leave without taking responsibility for their actions is frustrating to say the least. You are left with a damage to your vehicle and questions about how it happened and what to do next.

Hit And Run Insurance

Then you need to consider questions about how a hit and run works with your insurance. Does a hit and run affect insurance? Are you covered? How does hit and run insurance work? Here we’ll answer questions about how hit and run insurance works.

Does Insurance Cover A Hit And Run?

Your insurance will cover you for a hit and run if you have the right coverage in place. Basic insurance policies with the minimum mandatory coverage may not cover you for a hit and run. In this instance, you may have to pay for damages out of pocket.

If you are not sure if you have coverage for hit and runs, speak with your insurer. You likely do, but it’s a good idea to verify just in case.

How Does A Hit And Run Affect Insurance?

How a hit and run affects your insurance depends on the situation. If the drive who causes damage to your vehicle cannot be identified, your claim will be paid under your collision insurance. Your insurer requires you to pay the deductible.

If you can identify the driver, the loss may be paid out under the direct compensation property damage (DCPD) portion of your policy. This does not typically have a deductible. This is why having witness can be beneficial. Identifying the culprit can save on the cost of paying the deductible. You can also ensure they are held responsible for the damage.

If the driver is identified, and they do not have insurance, the uninsured motorist coverage part of your policy will apply. This is included in all policies.

Does Your Insurance Go Up After A Hit And Run?

A hit and run should not affect your insurance premiums. Make sure you file a police report of the incident. If you are not at fault for the collision, your insurance should not increase. If you do see an increase, it is likely a result of other factors.

Does Car Insurance Cover Hit And Run Damage If I’m The Driver?

Does Insurance Cover Hit And Run

If you are the driver who hits and other vehicle and leaves the scene, you face serious consequences. Depending on the situation, your insurer may not cover you. If they do cover you, you will have to pay a deductible. You will also see your insurance costs rise. Insurers may choose to not renew your car insurance because you are too much of a high risk.

You could also face fines up to $2000 and up to six months in jail. Penalties are more severe if you injure others and flee the scene.

How To File A Hit And Run Insurance Claim

Filing a hit and run claim is the same process as any other car insurance claim. Once you file a report with the police, contact your insurer to open a claim. Most insurers require you file a police report for the hit and run within 24 hours of the incident for it to be a hit and run. Provide them with the details of the collision. Work with your insurer to come up with a hit and run insurance settlement for the repairs to your vehicle.

Does Insurance Cover A Hit And Run For A Parked Car?

Yes. Parked cars have coverage if on the road, driveway, or parking lot. Hit and runs are most common in parking lots. Contrary to what many think, parking lot accidents are treated the same by insurers as other types of collisions. So, your insurer will cover you if your car is hit in a parking lot.

What Does Hit And Run Fall Under In Insurance?

A hit and run claim can fall under a few coverage types within your policy. It could be claimed under your collision, DCPD, or uninsured motorist part of your policy. It depends on your coverage type, who caused the hit and run, and other factors.

Hit And Run Insurance FAQs

Here are some additional questions about hit and runs and insurance coverage :

Yes, if you hit another vehicle, or pedestrian, and leave the scene, you will see a large increase in your insurance. You will also face other fines and penalties. If your vehicle was hit, it will not affect your premiums.

Yes. Your insurer will investigate the hit and run as they do with all other types of car accidents. They will perform an investigation that is separate from the police report to determine fault.

No. Hit and runs are not covered by comprehensive insurance. They are usually covered by collision insurance.

Yes, if your vehicle was it by another car in a parking lot accident you can file an insurance claim for the damages.

It all depends on your confidence in your driving abilities and financial situation. If you increase to a $1,000 deductible, you will save on your insurance, but you will have to pay that amount out of pocket if you file a claim.

The number one rule when choosing an auto insurance deductible is to choose an amount that you will be comfortable with and can afford to pay.

Yes. No fault insurance applies to hit and runs. If you are hit by another vehicle that flees the scene, you will not be at fault. However, you may still be responsible for paying your deductible.

A hit and run is a criminal offence. You should contact the police immediately to file a report. The police report will provide your insurer important information when assessing your claim.

Make Sure You're Covered For Hit And Runs

No one wants to be the victim of a hit and run but they happen quite often. Make sure you are covered with hit and run insurance and have peace of mind

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