If your vehicle has been hit by a driver in Woodbury, MN, who leaves the scene of the incident, will your auto insurance policy cover the physical damage and medical treatment for you and your passengers? At Kriener Insurance, we can help ensure that your auto insurance policy will adequately protect you if you are involved in such an incident.
Uninsured/Underinsured Driver Provisions Protect You
Minnesota requires auto insurance policies to include uninsured/underinsured motorist protection. This provision pays for damages if you are involved in an accident with an at-fault driver who is either uninsured or has inadequate insurance. This provision also applies to hit-and-run accidents. Because Minnesota is a no-fault state, you must also carry personal injury protection (PIP) on your policy.
How Insurance Works in Hit-and-Run Cases
Collision or uninsured motorist property damage (UMPD) will pay for damages to your vehicle. If you or your passengers sustain injuries, uninsured motorist bodily injury (UMBI) or PIP can pay for your treatments. The medical payments provision is essential if you don’t have health insurance or have a high deductible. These provisions on your auto insurance policy can help reduce out-of-pocket costs, especially if you have severe injuries.
What to Do After a Hit-and-Run Accident
Drivers should treat a hit-and-run incident much like any other accident. First, ensure everyone in your vehicle is safe. If necessary, call for immediate medical help. Getting local law enforcement on the scene is paramount to obtaining official incident documentation. You’ll also need to gather information from witnesses and take photos of the damage. This information is vital for any reports submitted to your insurance company when you file your claim.
Understanding the provisions of your auto insurance policy can help you in these situations. Contact Kriener Insurance, serving Woodbury, MN, to learn how our auto policy will protect you.
