Is Hit and Run Covered Under Comprehensive Car Insurance?

Yes, a comprehensive car insurance policy generally covers damage from hit-and-run incidents. It helps pay for repairs if another driver hits your car and runs away. If involved in such a situation, you must inform the insurer, document evidence and file an FIR at the nearest police station. 

Getting involved in a car accident is indeed an overwhelming experience, especially in a hit-and-run case. Such incidents can leave you financially and emotionally stressed, particularly when the responsible party cannot be identified. Continue reading this blog to learn what to do in such a situation and how you can raise a claim.

What are Hit and Run Accidents?

Under Section 161 of the Motor Vehicles Act, a hit-and-run accident is defined as a case where a vehicle causes injury or death, but its identity cannot be established despite genuine efforts to trace it.

In practical scenarios, this may also include situations where a vehicle damages your parked car and escapes without leaving details. This further allows victims or their families to seek compensation when the guilty vehicle is untraceable.

Also Read: What is a Consumable Cover in Car Insurance?

What to do in a Hit and Run Case?

If the accused quickly runs away from the location, recovering the damage costs can be challenging. However, in such scenarios, you need to stay calm, ensure your safety first, and gather relevant information and witnesses.

Here is a detailed breakdown of what you need to do in a hit-and-run case:

Gather the Details of the Accused

The first step is to gather details about the accused party. Note down the vehicle number, car model and the time it happened. It can be a bit challenging to gather all these details. However, collecting these details will help you file an FIR.  

Inform the Police

The next step would be to report this incident to the police. You can either dial the emergency number or report the incident at the nearest police station. Filing a police complaint is an important step when you are submitting a report specifically for a hit-and-run case. 

Try to Find Witnesses

Witnesses play an essential role in terms of proving your case in a hit-and-run incident. Try to reach out to people who were present at the time. It is advisable to note down information if they are willingly stepping in to testify on your behalf. 

Document Evidences

The fourth step is to collect as much evidence as possible. Try to click photographs to prove your case to both the police and your insurer. It will help you justify the damage. Additionally, if you see any security cameras, ask for the footage from them.  

Inform Your Insurer

Ensure you inform your insurer as soon as possible to initiate the claim process. While insurers may specify timelines, informing them within 24–48 hours is generally recommended to avoid claim-related complications. The earlier you inform your insurance company, the smoother the process will be.

During such emergencies, having access to reliable support services can make a significant difference. Bajaj General Insurance offers 24x7 spot assistance to help you manage unexpected situations more efficiently.

Also Read: Latest Maruti Suzuki Dzire Online at Best Prices in India

What is the Claim Process for a Hit and Run Case?

Here is the step-by-step process for filing and settling a hit-and-run case in accordance with the IRDAI guidelines.

1. You or your legal representative must submit a claim application form to the Claim Enquiry Officer (CEO). 

2. The CEO then conducts an inquiry and submits a report, along with a post-mortem certificate in case of death and an injury certificate in case of injury. 

3. After this, the Claim Settlement Commissioner initiates the claim process. 

4. The commissioner sanctions the payment within 15 days of receiving the report from the Claim Enquiry Officer. 

5. The sanction order is communicated to the insurance company's nominated office.

In case of death, the compensation amount is ₹2 lakh and ₹50,000 for severe injury as per the revised compensation framework by the Hit and Run Motor Accidents Scheme -2022.

Despite this, you can also initiate your 4-wheeler Insurance claim with Bajaj General Insurance if you do not want to face any hassle during this difficult time. 

Why Should You Choose a Comprehensive Car Insurance for a Hit and Run Case?

A comprehensive car insurance policy is essential for hit and run incidents because it covers damages to your own vehicle even if the perpetrator cannot be identified. Saving you from high out-of-pocket expenses while giving you peace of mind. 

Here is why comprehensive vehicle insurance is vital in a hit-and-run case:

1. If another car hits your car and flees, a comprehensive policy covers repair costs for your vehicle damage.

2. It may also cover damages from accidents, natural disasters, fire, and theft, making it a more comprehensive protection plan.

3. You can choose add-ons like Zero Depreciation Cover to improve your claim value.

4. Optional add-ons such as roadside assistance and engine protection can further enhance coverage depending on your needs.

Protect yourself from unexpected hit-and-run expenses with Bajaj General Insurance. Benefit from 7200+ cashless garages, on-the-spot claim settlement and zero depreciation add-ons. Get a quote and buy now!

Also Read: NOS in Cars: Meaning, Benefits, Risks, and Legal Aspects

Final Words

The roads are uncertain, and no one can foresee what might happen on the road. Thus, protecting yourself, your vehicle, and your finances with comprehensive car insurance is non-negotiable. It not only assists you but also gives you peace of mind during such unforeseen events.

Choosing the right insurer is equally important, as efficient claim support and service quality are crucial during emergencies. With a commitment to service, Bajaj General Insurance provides hassle-free 4-wheeler insurance with instant digital policy issuance and customer support.

Frequently Asked Questions

Does insurance cover when you hit a car?

Comprehensive car insurance will cover damages if you hit another car. The insurer pays for repair costs based on policy terms, deductibles, and coverage limits.

What should I do if someone hits my car in India?

Be calm, record vehicle details, gather evidence, report to the police, gather witnesses, and inform your insurer. Filing an FIR will be helpful for the insurance claim.

What is the compensation for a hit-and-run case?

According to the Hit and Run Motor Accident Scheme 2022, compensation will be ₹2 lakh for death and ₹50,000 for grievous injuries.

What to do if someone hits your parked car and runs away?

Photograph the damage, use CCTV footage, and inform the police and insurer. If you have a comprehensive policy, getting the damage cost will be helpful.

How does insurance work if it is not your fault?

If it was not your fault, the insurer will pay for the damage under your comprehensive car insurance policy. A claim can be made along with the FIR and the gathering of evidence.

**Standard T&C apply

Disclaimer: Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions.