Hit-and-run accidents can be a stressful and frustrating experience for drivers in Chambersburg, PA. Whether it’s a minor fender bender in a parking lot or a more serious collision, these incidents often leave drivers wondering how their auto insurance will handle the situation. At Wenger & Myers Agency, we understand the importance of knowing your coverage options in these scenarios.
Does Auto Insurance Cover Hit-and-Run Accidents?
In Pennsylvania, the type of coverage you have determines how well you’re protected after a hit-and-run. Liability insurance, which is required by law, won’t cover damage to your vehicle or medical expenses in this situation. However, if you have collision coverage or uninsured motorist coverage, you may be able to file a claim to recover costs.
Uninsured Motorist Coverage: A Key Protection
Uninsured motorist coverage is particularly valuable for hit-and-run incidents. This type of coverage helps pay for medical expenses and, in some cases, property damage when the at-fault driver cannot be identified. If you’re driving in Chambersburg, where hit-and-run accidents can happen in busy areas like Lincoln Way East or near the Chambersburg Mall, having this coverage can provide significant relief.
Steps to Take After a Hit-and-Run
- Document the Scene: Take photos of the damage to your vehicle and the surrounding area. If possible, note any details about the other vehicle, such as color, make, or license plate.
- File a Police Report: Reporting the incident to local law enforcement is crucial for filing an insurance claim. Chambersburg police can help investigate the situation.
- Contact Your Insurance Agent: Reach out to Wenger & Myers Agency to discuss your coverage and start the claims process. We’re here to guide you every step of the way.
Protect Yourself with the Right Coverage
Hit-and-run accidents are unpredictable, but having the right auto insurance can make all the difference. At Wenger & Myers Agency, we help Chambersburg drivers find coverage that fits their needs, including uninsured motorist protection. If you’re unsure about your current policy, contact us today to review your options and ensure you’re prepared for the unexpected.
