Hit-and-run accidents in Grand Rapids, MI, are frustrating because the at-fault driver takes off, effectively leaving you to fend for yourself. However, with the right auto insurance policy, you’ll receive coverage for injuries and damage to your vehicle. Dalessandro Agency Inc. can set you up with proper coverage that won’t leave you paying out of pocket.
Uninsured/Underinsured Motorist Coverage
Insurance companies treat hit-and-run accidents the same way they would if an at-fault driver had no coverage. Uninsured Motorist property damage steps in to pay for physical damage to your vehicle. Premiums for this coverage are usually low, and deductibles are sometimes lower than the standard deductibles for accidents.
Medical Coverage for Injuries
Michigan is a no-fault state, so authorities require you to purchase Personal Injury Protection (PIP). This provision covers your medical expenses, regardless of who is at fault in an accident. In Michigan, you can choose from many different levels of coverage starting at $50,000. Depending on your personal health insurance coverage, you can increase your PIP coverage limits to $250,000, $500,000, or even unlimited. To do so, you may need to complete additional paperwork detailing your personal health insurance limits.
What to Do Following a Hit-and-Run
To get coverage from your auto insurance provider, you should follow several crucial steps to ensure your claim is paid. Establish a "paper trail" to support your case. Ensure you do the following:
- Call the police immediately to get a formal report
- Look for witnesses and cameras to support your claim
- Take photos of the scene, including paint from the other vehicle and damage to your car
When you need help designing an auto insurance policy or filing a claim after a hit-and-run, trust the professionals at Dalessandro Agency Inc. Contact our Grand Rapids, MI, office for more information on a policy.