Oh, dear! If you find yourself in the unfortunate situation of being the victim of a hit and run accident with only liability insurance, I have to be honest with you – it’s not going to be smooth sailing when it comes to covering the damage to your own vehicle.

You see, liability insurance is specifically designed to cover the damages you cause to others in an accident for which you’re at fault. It typically does not provide coverage for damages to your own vehicle. In a hit and run situation, where the responsible party is nowhere to be found, there’s no one to hold accountable for the damages, and your liability coverage won’t come to the rescue.

To have coverage for your own vehicle in a hit and run scenario, you would generally need to have either collision coverage or comprehensive coverage (or both) included in your insurance policy. Collision coverage typically covers damages to your vehicle when you’re involved in an accident, regardless of fault. On the other hand, comprehensive coverage is designed to cover damages to your vehicle caused by events like theft, vandalism, natural disasters, or, you guessed it, hit and run accidents.

If you only have liability insurance, unfortunately, you’d likely be on your own when it comes to covering the repairs to your vehicle after a hit and run accident. It’s situations like these that remind us of the importance of reviewing our insurance coverage and considering additional options to protect ourselves and our assets.

Remember, my friend, insurance can be a tricky road to navigate, so it’s always a good idea to talk to your insurance provider to fully understand your coverage and explore any options to enhance your protection. Drive safe and stay vigilant out there on the roads! 🚗💨🚧