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Does insurance pay for hit-and-run accidents? Insurance may cover hit-and-run accidents when you have the right coverage, such as collision coverage, uninsured motorist coverage, and medical payments coverage. These accidents are particularly distressing because the responsible party leaves the scene, forcing you to rely on your own insurance for assistance. 

An insurance claim is a request for benefits or compensation for damages that result from a motor vehicle accident. The claim is typically made with the insurance company representing the driver who is at fault.  Both drivers will need to report the accident to their insurance companies, however, in accordance to the requirements of their individual policies. Many car insurance claims are made each day around the nation, and the process has become relatively standardized. That doesn’t mean the insurance company won’t push back if they believe they shouldn’t recognize their liability, but the process will be similar to most other accidents of the same type.

Insurance companies try to minimize accident claims as a basic business practice. Reputable insurance companies do need to ensure that they are following the laws, however. There are several common reasons why an insurance company will deny a claim in good faith.