Car policy confusing? Ask Poli.
A hit-and-run driver damaged my car — which coverage responds?
Depending on the form and state, this lands under collision or uninsured motorist property damage. The distinction changes your deductible.
What filed auto forms generally say
Damage from an unidentified driver is generally payable under collision coverage, subject to its deductible, because there is no at-fault party to pursue.
In some states an uninsured motorist property damage coverage responds instead, sometimes with a lower deductible, but many forms require physical contact with the other vehicle.
Filing a police report promptly matters because forms commonly condition uninsured-motorist claims for unidentified drivers on prompt notice to authorities.
Why your policy can still say something else
Whether UMPD exists in your state, its deductible, and any physical-contact requirement vary by state amendatory endorsement.
Clauses to look for in your own document
- Part D — Collision Coverage
- Uninsured Motorists Coverage — Property Damage
- Duties After an Accident or Loss
- Definitions — Uninsured Motor Vehicle
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PoliSays explains document wording. It is not an insurer, broker, or law firm, and nothing here is advice.