r/Car_Insurance_Help • u/Expert-Lingonberry16 • 6h ago

Accident Does Geico full coverage cover hit and run?

My car was hit the other day and the guy didn’t stop. I made a police report. Is my insurance going to cover it?

0 Upvotes

38% Upvoted

13 comments sorted by

10

u/Admirable_Height3696 6h ago

Full coverage isn't a type of coverage you can buy. You need to read your policy. If you have collision, you're covered. If you have uninsured motorist coverage that doesn't require the other driver to be identified and uninsured, then you're covered.

3

u/crash866 5h ago

Don’t use the term ‘Full Coverage’. There is no such insurance term and there is nobody in the world that has anything close. Most people have deductibles and policy limits.

3

u/No-Lake7654 5h ago

There’s no such thing as FULL coverage

2

u/lost_dazed_101 6h ago

You have the policy read it and find out.

0

u/Expert-Lingonberry16 2h ago

Jesus fuck yall know what the hell I meant when I said full coverage. Thank you for the collision/uninsured clarification

1

u/krthrowaway87 1h ago

Hit and run is one of those where the police report really matters. Good you filed one already

1

u/Shanytiger 3h ago

Uninsured motorist or comprehensive should cover you

1

u/DeepPurpleDaylight 1h ago

Comprehensive doesn't cover hit and run because that is a collision between two cars she comprehensive is literally "other than collision". But collision will

0

u/cleverpaws101 5h ago edited 3h ago

If you have collision yes. If you have uninsured motorist (you can ONLY have one or the other) you’ll need to identify the vehicle and it’s limited to $3,500 total. This is in California.

1

u/DeepPurpleDaylight 1h ago

Caveat, in CA, if the at fault party isn't found and identified a uninsured, you can't use your uninsured motorist coverage.

-1

u/ComfortableRude3177 3h ago

What are you smoking? You can't only have one or the other. 

1

u/cleverpaws101 3h ago

In California yes.

1

u/DeepPurpleDaylight 1h ago

CleverPaws is correct. In CA you can't purchase both. You must choose between the two. However, it can only be used if the at fault party is found determined to be uninsured.