A hit-and-run can leave you without a vehicle or facing thousands of dollars in medical bills. In some situations, your auto policy may be able to help.

Liability Coverage

Liability coverage doesn’t pay for your own vehicle or medical bills. It’s designed to cover damage you cause to someone else, so you don’t have to pay for it out of pocket. However, there are several other types of coverage that can help Boise, ID, residents after a hit-and-run.

Collision Coverage

Collision coverage helps pay for your vehicle regardless of who’s at fault, so it can help even if the other driver is never identified. You will, however, need to pay your deductible before coverage kicks in.

MedPay

If you carry MedPay, it can help cover your medical bills after an accident. Idaho law doesn’t require MedPay, but most insurers offer it as an optional add-on. You can work with an agent at Fuhriman Insurance Agency to make sure you have adequate MedPay coverage in place before an accident happens.

Uninsured/Underinsured Motorist Protection

Lacking their own auto insurance is one of the main reasons drivers flee the scene of an accident. If the other driver is eventually identified and found to be uninsured, your uninsured motorist coverage can help pay for damages. Unfortunately, this type of coverage generally depends on actually locating the other driver, and local law enforcement can often assist with that process.

We understand that whether your coverage applies depends heavily on the specific situation, which can be frustrating. Our compassionate agents can help you better understand your options and your current coverage. Contact a representative at Fuhriman Insurance Agency today to get started. We’re currently serving the Boise, ID, area.

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