The key difference between UMPD and collision coverage is that UMPD only covers damage to your vehicle caused by a driver with little or no insurance. By contrast, collision coverage applies to any damage to your vehicle caused by a collision with another vehicle or object, regardless of fault. If you don't have coverage for collision or property damage from an uninsured driver (UMPD), physical damage to your car won't be covered in the event of a hit and run. Your only hope for compensation will be to find the driver who caused the accident.
This type of coverage is an auto insurance requirement in some states, optional in several states, and isn't available in about half of the states. If you choose not to have these coverages, your car insurance policy won't cover injuries caused by a hit and run accident. In New Hampshire, auto insurance is one of several ways to demonstrate financial responsibility, but if purchased, the state requires that both coverage for uninsured and underinsured drivers be included in all policies. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy.
If you have comprehensive car insurance coverage, but not collision coverage, it's worth considering the UMPD to at least be covered for vehicle damage caused by uninsured drivers. Notify your insurance company Finally, let your insurance company know about the incident as soon as possible, regardless of whether you plan to file a hit and run claim. Quote car insurance online or call 1-866-749-7436 to make sure you have the right coverage to protect against uninsured or underinsured drivers. If the responsible driver is identified, your insurer can file a claim with a third party against that driver's liability coverage, which will save you the potential cost of filing a claim through your own insurance.
According to the Insurance Information Institute, nearly 13% of drivers across the country don't have car insurance. You can file a claim against your car collision coverage when your car is hit by an uninsured driver or in other situations that involve a collision, such as a single car accident.