Co-hosts the Money Talks News podcast
MBA from Utah State University
Miranda is a financial writer and avid podcaster with nearly two decades of experience contributing to major outlets, including Forbes, The Hill, and NPR.
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Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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Updated September 18, 2024
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Table of contents
In 2023, the Texas Department of Transportation recorded 118,024 hit-and-run crashes in the Lone Star State. A hit-and-run accident occurs when one of the people involved in a collision leaves without exchanging information. A hit-and-run can also occur when a driver hits another person’s unoccupied car and leaves without providing contact information.
Collision insurance offers financial protection for damage to your vehicle from a hit-and-run. Without it, you may need to cover your costs out of pocket. Here’s how insurance can help you following a hit-and-run, the types of coverage that come into play, and how to file a claim for a hit-and-run accident.
Types of car insurance that cover hit-and-run accidents in Texas
Both the circumstances and outcome of the hit-and-run accident affect the types of coverage you’ll need for a payout from your insurance company. In addition to collision insurance, which only covers so much, you may want to consider insurance to protect against property damage and injuries, as well as uninsured motorists.[1]
Here’s a closer look at add-on insurance coverage that can minimize your costs after a hit-and-run.
Collision coverage
Collision insurance is usually optional under Texas law. It covers the costs of repairing your car when you’re the at-fault driver in a crash and when you run into another object, such as a tree or pole. If you’re the victim of a hit-and-run accident, your collision insurance should provide compensation so you can fix your car. Keep in mind that your collision deductible will apply.
This type of coverage differs from comprehensive insurance, which covers instances of physical damage that don’t involve running into another vehicle or object. Covered incidents include vandalism, extreme weather, and theft.
Uninsured motorist coverage
Uninsured motorist property damage (UMPD) coverage protects you when the at-fault driver flees the scene. This type of auto insurance also provides compensation when the other driver doesn’t have insurance. It helps you pay for the cost of car repairs or replacement (in the case of a total loss).
Uninsured motorist bodily injury (UMBI) coverage can help pay for your and your passengers’ injuries after a hit-and-run accident. The limits for this coverage are usually the same as your regular bodily injury coverage limits, which are a minimum of $30,000 per person and $60,000 per accident in Texas. The state requires all insurers to include uninsured motorist coverage in every policy they issue, but drivers can opt out of it in writing.
Personal injury protection (PIP) coverage
Personal injury protection coverage reimburses you for medical expenses if you or your passengers are injured in a hit-and-run. It can also cover child care and lost wages. If a fleeing driver insures you, this coverage can reduce your financial burden due to being in the hospital. Texas requires insurers to offer PIP, but you can opt out in writing.[2]
Medical payments coverage