How does USAA handle claims involving hit-and-run accidents?

After a hit-and-run accident, many types of insurance from USAA can provide coverage and help you avoid high costs for auto repairs or medical expenses. USAA is one of the best affordable auto insurance companies, with average rates for medium coverage at about $212 per month.

Finding out more about how USAA deals with hit-and-run accidents and how to file an auto insurance claim can help you avoid losses after an accident. Here’s some additional information about how USAA handles claims involving hit-and-run accidents.

How USAA Handles Claims Involving Hit-and-Run Accidents

USAA handles claims that involve hit-and-run accidents like many other claims. The exact procedure depends on your state and your auto insurance type. In some locations, collision coverage pays for hit-and-run accidents.

In others, you could need uninsured or underinsured motorist coverage. Since hit-and-run drivers don’t share their insurance information, USAA will assume they were uninsured unless the police can identify them and find their insurance information.

How Coverage for Hit-and-Run Accidents Works

You can make a claim with USAA online or by calling the number on your insurance card. An insurance adjuster will call or email you and ask about what happened before, during, and after the accident. You should send them copies of bills, police reports, or other documents related to the accident.

After your adjuster decides how much you can get for your claim and agree to the amount, you’ll receive an electronic payment or a check. However, you’ll still be responsible for paying your policy’s deductible.

For example, if someone’s car is damaged in a parking lot and the other driver doesn’t leave any contact information, the owner could use uninsured/underinsured motorist coverage to pay for all expenses except for the $500 deductible.

In some states, uninsured/underinsured motorist coverage can pay for your medical bills and vehicle repairs. In others, everyone pays for their health care, even if someone else causes an accident. Understanding how auto insurance works can make filing your claim with USAA easier.

Read more: What information do I need to provide when filing an auto insurance claim with USAA?

Understand How USAA Handles Claims After a Hit-and-Run Accident

USAA’s claims process for hit-and-run accidents is relatively simple. You can make a claim online or call the number on your insurance card, and the adjusters and customer service representatives are helpful and friendly.

Hit-and-run accidents can cause extensive damage and injuries, and knowing how to file an auto insurance claim can help you resolve any issues as soon as possible. It’s also a good idea to learn how to compare auto insurance quotes to find the best policy for your needs before an accident.