Do you know what to do if you are the victim of a hit and run driver in Coppell, Texas. If such an incident occurs while you are in your vehicle, you may be able to get the license plate of the vehicle that just hit you and kept on going. You can use that information when you make a call to the police and inform them of the accident. Your next step is to call your insurance agent and file a claim.

You might think that having comprehensive coverage would take care of the matter, but, you would be wrong. In Texas, and for that matter, in any other state, comprehensive insurance only covers physical damage other than collision. It covers such things as vandalism, a tree falling on your car or damage from hail.

If you have been involved in a hit and run accident such as someone backing into your parked car in a Coppell parking lot, you can still file a claim with your insurance company. Under Texas law, your Uninsured or Underinsured Motorist (UM/UIM) coverage will pay for the damages up to the value of your car. There is an automatic deductible of $250 and you must report the accident to the police in a timely matter for this coverage to apply. While every insurer must offer Um/UIM, you can reject the coverage by signing a form saying that you elect to forego the coverage.

Your other insurance option is to try to collect the claim under your collision coverage. Collision applies any time one car hits another and causes damage. It can be a little tricky when a hit and run accident caused the damage because an insurance company always wants to identify the other driver so they may have an opportunity to recover any amount they pay out. However, if you report the claim promptly to the police and notify your insurance agent or insurance company, you should be able to collect for the repairs, less any deductible you may have.