Living in Santa Monica can be a lot of fun, but it can also be dangerous on the roads. If you are involved in a hit and run, you want to make sure you have sufficient coverage for auto insurance. This means taking a good look at your policy and potentially adding on coverage.
In the state of California, you are required to have bodily injury as well as property damage liability insurance. If you are still making payments on your car or you are leasing, you may also be required to have collision coverage. Collision is always a good idea in the event you are involved in a major accident – such as a hit-and-run.
Then, you have to look at other forms of coverage that you may or may not have on your policy.
Do you have uninsured motorist coverage?
If you don’t know the person who hit you, they are going to fall under uninsured motorist. Having this coverage will provide bodily injury as well as property damage to help cover some of the medical bills, lost wages, and repairs to your car.
Do you have medical bills coverage?
The amount of medical bills involved can be high and you don’t want to pay anything out of pocket you can get away with it. Having this coverage can be very helpful.
Do you have PIP?
Personal injury protection is going to cover medical bills as well as potential lost wages that you have experienced as a result of the hit and run. It can be a very affordable form of coverage time to your policy.
Hit and runs can be expensive. Contact us at Express Insurance today and one of our agents can find auto insurance coverage that can provide protection in Santa Monica that is also affordable. We’ll get the quotes and more.