How does Liberty Mutual handle claims involving hit-and-run accidents?
Learn how Liberty Mutual handles claims involving hit-and-run accidents so you can decide whether Liberty Mutual Insurance offers the protection you need to get compensation quickly after an accident. You might need collision or uninsured/underinsured motorist coverage (UM/UIM) from Liberty Mutual to pay for hit-and-run damages.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Aug 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- After a hit-and-run accident, you can avoid many healthcare and repair costs by filing an auto insurance claim with Liberty Mutual
- Collision coverage pays for hit-and-run accidents in some states, but you’ll need uninsured motorist coverage in others
- Try to collect as much information as possible at the scene of the accident so you can work with your insurance adjuster to resolve your Liberty Mutual claim quickly
With uninsured motorist coverage from Liberty Mutual, you can avoid high medical or auto repair expenses after a hit-and-run accident. Finding out more information about how to file an auto insurance claim with Liberty Mutual can help protect you from many other hit-and-run accident expenses.
In this article, we’ll discuss how Liberty Mutual handles claims involving hit-and-run accidents.
How Liberty Mutual Handles Claims That Involve Hit-and-Run Accidents
Liberty Mutual takes care of insurance claims after hit-and-run accidents like other claims. What happens depends on regulations in your state and the terms of your auto insurance policy. Collision insurance sometimes pays for hit-and-run accidents, but in many areas, you’ll need uninsured motorist coverage.
Liberty Mutual assumes that drivers who don’t stay at the scene of an accident and share their insurance information are uninsured. Some of these people could be insured and trying to avoid accidents on their driving records, but you can still use uninsured motorist coverage.
“When an adjuster contacts you, be prepared to provide copies of repair or medical bills, police reports, and other relevant documents. Your adjuster will let you know the amount of your payment as soon as possible.”
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How Liberty Mutual Hit-and-Run Accident Coverage Works
Liberty Mutual is one of the best affordable auto insurance companies, and you can choose uninsured motorist bodily injury coverage, uninsured motorist property damage coverage, or both.
These types of coverage aren’t mandatory in all states, but without them, you may not get compensation from Liberty Mutual after a hit-and-run accident. Before you file a Liberty Mutual insurance claim after a hit-and-run accident, check your policy and make sure you have coverage.
Then, you can file your claim online. After an insurance adjuster examines your claim, Liberty Mutual will call or email you and ask you about the circumstances surrounding the accident. This usually takes one or two days.
Read more: How long does it take for Liberty Mutual to process an auto insurance claim?
When an adjuster contacts you, be prepared to provide copies of repair or medical bills, police reports, and other relevant documents. Your adjuster will let you know the amount of your payment as soon as possible.
This usually takes another day or two, but more complex claims can take weeks or months. Liberty Mutual will usually send you a check for your expenses. If the mechanic you choose is part of the company’s Guaranteed Repair Network, the payment will go directly to the repair shop.
Liberty Mutual Claims After a Hit-and-Run Accident: The Bottom Line
Understanding how auto insurance works is important. Fortunately, the claims process for hit-and-run accidents is relatively easy with Liberty Mutual. You can make your claim online with a computer or smartphone, and the insurance adjusters will help you through the process.
Hit-and-run accidents can cause severe injuries and damage, and filing an auto insurance claim through Liberty Mutual can help you get compensation for repairs or medical treatment as soon as possible.
If you’re still shopping for car insurance, it’s a good idea to learn how to compare auto insurance quotes. You can select a policy with excellent protection from hit-and-run accidents and many other hazards.
Frequently Asked Questions
What should I do after a hit-and-run accident?
After a hit-and-run accident, you should:
- Move your vehicle to a safe place
- Avoid leaving your car until police arrive
- Record the other vehicle’s license plate number
- Call the police and make a statement
- Take photos of the scene of the accident and any damage or injuries you received
- Get an estimate from a mechanic for repairs
Leaving the scene of an accident and becoming a hit-and-run driver is a crime, and the police will attempt to find the culprit. Your insurance adjuster will use the information you provide, including repair bills, the police report, and photos, to calculate the amount of your payment.
Can a hit-and-run accident raise Liberty Mutual insurance rates?
Filing a claim after a hit-and-run accident might increase your insurance rates. People usually pay higher rates for three to five years, depending on the state. If the damage you receive is minor, it may be more economical to pay for it yourself than to get hit with higher auto insurance rates.
Do I have to pay a deductible after a hit-and-run accident?
The money that Liberty Mutual sends you or a mechanic after a hit-and-run accident doesn’t include your deductible. If the police find the other driver, they’ll be responsible for it. Otherwise, you’ll have to pay this part of the accident expenses yourself.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.