Hit-and-run accidents in Plano, TX, are one of the worst scenarios motorists face, especially if they are severe. If the other driver takes off, who pays for the accident damages? The answer is your auto insurance. However, you must have the proper provisions in place to protect yourself. Paragon Independent Insurance Agency can help you buy a policy to protect yourself, passengers, and your vehicle.
Find the Right Coverage
Texas requires motorists to have minimum liability insurance, but that will only pay for damage you cause to other vehicles in an at-fault accident. To pay for damages in an accident where the at-fault driver is unknown, you must have different provisions in place. Uninsured/underinsured motorist coverage typically pays for damage from hit-and-run accidents. This provision also helps you when involved in an accident where the at-fault driver has no insurance or liability limits that are too low to pay for vehicle damage fully. For some policies, collision coverage may also pay for damage in a hit-and-run accident.
What If I or My Passengers are Injured?
Again, your policy will pay if you never identify the at-fault driver. Personal injury protection (PIP) can help cover medical bills, lost wages, and even funeral costs after an accident. PIP is designed to help you with financial expenses after an accident, whether or not you were at fault. Your policy may also have medical payments coverage. Also known as MedPay, this provision can cover medical payments related to accident injuries. It can cover payment to you, your passengers, and even pedestrians who may be involved in a hit-and-run accident.
Learn how your auto insurance policy can protect you and your car when someone takes off after an accident in Plano, TX. Contact the staff at Paragon Independent Insurance Agency for an appointment to explore your options.
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