How does USAA handle claims involving hit-and-run accidents?

Hit-and-run accidents are a horrible thing to endure and are sadly common in the United States. Fortunately, you might have coverage if you have auto insurance through USAA. How does USAA handle claims involving hit-and-run accidents?

Handling claims can vary depending on your coverage type, so let’s take a closer look at which car insurance coverage types cover hit-and-run accidents and what to expect when filing a claim.

Types of USAA Coverage That Handle Claims Involving Hit-and-Run Accidents

Regarding what sort of coverage USAA provides that handles hit-and-run accidents, their collision coverage is your best bet. Liability auto insurance only covers damages to the other driver’s vehicle or injuries sustained by others.

Comprehensive auto insurance will only cover damages caused by acts of nature, vandalism, theft, and anything else that isn’t covered during driving.

As such, if your plan has collision auto insurance, you’re covered in the event of a hit-and-run accident. As with any other incident involving your vehicle, you must file a claim to cover the cost of repairs.

USAA is among the best collision coverage car insurance companies on the market, so you’ll be in good hands. USAA also has uninsured motorist plans to help cover repairs and hospital bills if the hit-and-run driver has no coverage.

Read more: Does Car Insurance cover damage from a hit and run?

Uninsured Motorist Coverage and Hit-and-Runs

Some auto insurance providers, like USAA, over uninsured motorist insurance coverage. This isn’t required for filing a claim for hit-and-runs but can also provide coverage in the event you have been the victim of one.

Uninsured motorist insurance can help cover the cost of damages to your vehicle and any bodily injuries sustained during an accident.

Thankfully, USAA is also among the best uninsured motorist coverage car insurance companies. However, it is a worthwhile consideration if you’re in an accident and the other driver doesn’t have any coverage.

Read more: How does USAA handle claims involving uninsured/underinsured motorists?

What to Know About Filing a Claim for a Hit-and-Run Accident Through USAA

Filing a claim for a hit-and-run accident is the same as any other claim. The proper procedure for filing a claim differs from company to company, but it is a core component of how to correctly handle a car accident.

First and foremost, do not admit fault to your insurance company. Document every aspect of the accident, as any external reports from police officers can miss vital information.

How USAA handles filing claims may adhere to a specific procedure, so please check with your insurance representative for any additional steps necessary. (For more information, read our “What information do I need to provide when filing a car insurance claim with USAA?“).

Exchanging insurance information isn’t going to be possible in a hit-and-run accident, but obtaining the license plate information, if possible, during an accident can help save you some time when getting materials ready for your claim.

Case Studies: USAA Claims and Hit-and-Run Accidents

Case Study 1: John’s Hit-and-Run Accident

John, a USAA auto insurance policyholder, experienced a hit-and-run accident. Fortunately, he had collision coverage as part of his policy. He filed a claim with USAA, providing all necessary documentation. USAA’s coverage, including uninsured motorist plans, covered vehicle repairs and medical expenses, even with an unidentified driver.

Case Study 2: Sarah’s Uninsured Motorist Coverage

Sarah, another USAA policyholder, was involved in a hit-and-run accident where the responsible driver had no insurance. Thanks to her uninsured motorist coverage, Sarah was able to file a claim with USAA. The insurance coverage provided by USAA helped cover the costs of repairing her vehicle and medical treatment for any injuries sustained in the accident.

Case Study 3: Mark’s Claim Process

Mark, a USAA policyholder, faced the unfortunate situation of being a victim of a hit-and-run accident. Mark followed standard procedure, documenting details without admitting fault, when filing a claim with USAA. Despite the other driver’s lack of insurance information, USAA’s collision coverage supported vehicle repairs and medical expenses.

The Final Word on USAA Claims for Hit-and-Run Accidents

A hit-and-run accident can be a harrowing experience, but thankfully USAA auto insurance has you covered. As with any accident, you’ll want to file a claim and be as thorough as possible.

Collision or full coverage auto insurance should cover the cost of repairs and any expenses for medical treatment you and your passengers may need.