The Role of Auto Insurance in Hit-and-Run Incidents

Accidents can be stressful and confusing, especially when the responsible driver leaves the scene. In South Carolina, understanding how your auto insurance can protect you in these situations is essential for every driver. At GVL Insurance Company, we’re committed to helping our clients navigate the aftermath of hit-and-run incidents with clarity and support.

How Auto Insurance Protects You After a Hit-and-Run

When you’re involved in a hit-and-run, you may be left with vehicle damage, medical expenses, and uncertainty about who will pay for your losses. Fortunately, certain types of auto insurance coverage can help:

• Uninsured motorist (UM) coverage—In South Carolina, uninsured motorist coverage is required by law. This coverage may help pay for injuries and property damage if the at-fault driver cannot be identified or does not have insurance.
• Underinsured motorist (UIM) coverage—While not required, UIM coverage may provide additional protection if the responsible driver is found but lacks sufficient insurance to cover your losses.
• Collision coverage—This optional coverage may help pay for repairs to your vehicle after a hit-and-run, regardless of who was at fault.

What to Do After a Hit-and-Run Accident

If you’re the victim of a hit-and-run, taking the right steps can help protect your rights and support your insurance claim. We recommend the following:

1. Move to a safe location and check for injuries.
2. Call the police to file an accident report; this documentation may be crucial for your claim.
3. Gather as much information as possible, such as witness statements or photos of the scene.
4. Notify your insurance provider as soon as possible.

Learn More

Our team understands South Carolina’s insurance requirements and can help you review your policy to ensure you have the right protection in place for hit-and-run scenarios. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.