How does American Family handle claims involving hit-and-run accidents? (2024)

American Family handles claims involving hit-and-run accidents with an investigation from its reputable claims department, but you must have the right type of car insurance coverage. In this case, uninsured motorist coverage helps pay out hit-and-run claims.

Read More: Does auto insurance cover damage from a hit and run?

This article will explore how the insurance company handles claims involving hit-and-run accidents and how its customers can correctly handle a car accident in these difficult times.

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How American Family Handles Claims Involving Hit-and-Run Accidents

After being involved in a hit-and-run accident, one of the first steps is promptly reporting the incident to the authorities and your insurance company.

To support the hit-and-run claim, American Family encourages collecting as much evidence as possible at the accident scene, including taking photographs of the damage, documenting any witness statements, and recording any available details about the fleeing vehicle. This evidence strengthens the case and aids in the investigation process.

Uninsured Motorist Coverage: Protection After a Hit and Run

In hit-and-run accidents, uninsured motorist coverage (UM) becomes crucial when the responsible driver cannot be identified. American Family Insurance is one of the best uninsured motorist coverage car insurance companies for its competitive policies. This coverage helps protect its insured drivers in hit-and-run accidents by compensating for medical expenses, property damage, and other losses.

Check out the table below to see how much you might pay for uninsured motorist coverage:

Uninsured/Underinsured Motorist Rates by State

Depending on the policy, UM coverage can also include vehicle repairs, rental car costs, and other associated expenses. Therefore, policyholders must understand their insurance policy’s deductibles and coverage limits. American Family works closely with its customers, explaining the applicable car insurance deductibles and coverage limits associated with hit-and-run claims. 

How American Family Investigates Claims Involving Hit-and-Run Accidents

Once the incident is reported, American Family car insurance claims adjusters thoroughly investigate the accident, examining the evidence you provided and collaborating with law enforcement as needed. This investigation is imperative in determining the policyholder’s liability and appropriate compensation.

Claims adjusters collaborate to gather information, such as accident reports and any available surveillance footage, to assist in identifying the responsible party. These individuals can also help you navigate how to file a car insurance claim efficiently.

Read More:

• How does the car insurance claims process differ for uninsured/underinsured motorist coverage?
• What is American Family’s policy on rental car coverage during the claims process?

How American Family Handles Hit-and-Run Car Insurance Claims

American Family Insurance Reviews indicate it’s one of the better companies to deal with. It has a dedicated team of representatives to address its policyholders’ concerns, answer questions, and guide them through the necessary steps. Policyholders can rely on those individuals’ expertise to navigate the complexities of hit-and-run claims. American Family Insurance strives to settle hit-and-run claims promptly once liability has been established.

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