There’s a lot you need to know about hit and run coverage. You want to drive around Broomfield and throughout the state with peace of mind knowing that you get into an accident, you have the necessary coverage to avoid paying out-of-pocket. A hit and run means that one of the people isn’t present when the police show up and you won’t be able to get their insurance information.
Since that person is not part of the overall process, you want to make sure that the coverage you have in place can cover property damage as well as bodily injury, regardless of fault. Otherwise, you could be spending a considerable amount of money in medical bills and repairs – even enough to cause bankruptcy.
In addition to the standard policy that is required by the state, you may want to consider collision coverage. This is going to provide protection regardless of who is at fault. It will help you to make repairs to your vehicle and you will only have to pay the deductible.
Uninsured motorist coverage is also a great way to have additional coverage in the event of a hit and run. This can include property damage as well as bodily injury. The property damage will cover car repairs as well as repairs to any other properties that may have been damaged, such as streetlights. Bodily injury is going to cover medical bills and lost wages to US the driver as well as passengers.
There is also medical payments coverage, which can go above and beyond what the other forms of coverage doesn’t pay. There may still be a deductible and limits to consider, but it may be able to cover medical bills that are covered, including if you have health insurance.
Finally, you will want to consider personal injury protection. This can provide protection for medical bills, lost wages, child care, and more.
Call us at Aspen Gold Insurance Brokers today to learn more about auto insurance in Colorado. We’re here to help you every step of the way, including obtaining quotes that can provide an affordable policy.