​​​Road accidents are unpredictable and scary, especially hit-and-runs. Damages can be severe, and getting compensation from the culprit may be difficult. But what about comprehensive car insurance? Does it offer respite in hit-and-run accidents? 

Well, the answer is yes. Comprehensive coverage is a great way to deal with liabilities arising from car accidents. A hit-and-run accident can be an overwhelming experience. While things cannot be reversed, having full, comprehensive car insurance can help you overcome financial hardships related to the incident. 

Let us unravel how to claim compensation for damages incurred in a hit-and-run incident under comprehensive car insurance.

What is Comprehensive Coverage in Car Insurance?

Comprehensive car insurance cover is an insurance product that covers several risks you may face as a car owner. These include damages caused by natural disasters, fire, theft, accidents, riots, vandalism, etc. 

Comprehensive insurance also covers liabilities resulting from third-party injury, death or property damage. You can also claim compensation for damages in a hit-and-run case if you have followed the right procedure. Let us see how.  

A Few Things to Do in Hit and Run Accident

Proving your case in a hit-and-run accident can be challenging. Following steps mentioned below can make things easier:

Collect information About the Culprit

The first thing to do when you get involved in an unfortunate hit-and-run accident is to note the details of the culprit. You might be too anxious to notice the car number, make and model, etc. However, collecting these details can be useful while filing a police complaint. 

Find Witnesses

Witnesses can play a crucial role in proving a hit-and-run case. So, make sure you find any witnesses present during the accident. Note their details, such as name, phone number and address for further help. 

Take Photographs

Another thing that can make your case strong is plenty of photos. Capture the accused driver and the car in the camera if you can. Also, photograph the damages sustained by your vehicle and the accident location. You can also search for any camera at the place of the accident to collect more evidence. 

File a Report

The next important step is filing a First Information Report (FIR) at the police station. An FIR is a crucial document to claim compensation in a road accident. Try visiting the nearest police station right after the incident and make sure you collect the FIR copy. 

Inform the Insurance Company

Informing the insurer about the hit-and-run incident within the stated time is vital to avail compensation. Be sure to collect all necessary documents like FIR copies, photos of the damaged car, etc. A surveyor may be sent to inspect the car's damages. The insurer will then send your vehicle to a network garage for repair and settle the claim. 

Wrapping Up

Hit-and-run accidents can be anyone’s worst nightmare. Proving your case and seeking the right compensation can involve a long fight. However, taking the right steps at the right time can be a game-changer. Our comprehensive car insurance can help you overcome such unfortunate events. All you need to do is inform us within the stipulated time and follow the claim filing process. 

At Reliance General Insurance, we offer you a variety of car insurance plans to help you choose the best option within your budget. Our car insurance plans promise to care for you and your car in the best possible way! 

With us, you can buy third-party, comprehensive and standalone own-damage car insurance at the best prices. So, if you want to give your vehicle the protection it deserves, look no further. Get Reliance General Insurance's comprehensive insurance coverage quote and protect your car today!

Frequently Asked Questions