How does Liberty Mutual handle claims involving hit-and-run accidents?
This is how Liberty Mutual handles claims involving hit-and-run accidents. You'll file a claim with Liberty Mutual like you were in a collision with an uninsured motorist. You'll need to have uninsured/underinsured motorist coverage (UM/UIM) or personal injury protection (PIP) coverage to cover your medical bills and property damage.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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UPDATED: Nov 27, 2023
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UPDATED: Nov 27, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one 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 insurance 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
- Liberty Mutual doesn’t offer specific coverage for hit-and-run accidents
- Hit-and-run claims will cover expenses if you have an uninsured motorist plan or personal injury protection (PIP) coverage
- The claims process is identical to filing a claim against an uninsured motorist during a collision
Car accidents are bad, but dealing with a hit-and-run driver can be even worse. Now, you may know how to file a car insurance claim, but still might have questions like, “How does Liberty Mutual handle claims involving hit-and-run accidents?”
You don’t need to worry, however, as there are options available to cover the damages to your vehicle and any injuries you may have sustained. Keep reading to learn how Liberty Mutual handles hit-and-run claims with uninsured/underinsured motorist coverage, collision insurance, and PIP.
How Liberty Mutual Handles Hit-and-Run Accident Claims
Hit-and-run accident claims are handled the same way you would handle personal injury protection (PIP) or uninsured motorist coverage. It effectively is like you’re making a claim against a driver with zero car insurance coverage because the offending driver has fled the scene.
Thankfully, if you are covered by Liberty Mutual, you might already have the needed coverage for your potential needs. The claims process itself would be initiated by contacting your insurance agent or filing one online. After that, you’ll need the same sort of documentation you would need for any other claim.
Important Things to Keep in Mind About Liberty Mutual Car Insurance
If you live in a state where uninsured or underinsured driver coverage isn’t mandated and therefore have not elected this option, then the cost of repairs and medical expenses is going to rest on your shoulders.
If you do have the required coverage, Liberty Mutual reviews and complaints indicate that it is one of the better companies to deal with for filing claims.
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Liberty Mutual Does Not Offer Specific Hit-and-Run Car Insurance Coverage
Liberty Mutual doesn’t offer specific insurance for hit-and-run accidents. As previously stated, it works identically to an uninsured motorist claim. As such, you’ll need to carry uninsured motorist coverage from Liberty Mutual to cover any unforeseen expenses.
Unfortunately, Liberty Mutual doesn’t hold the top rank as one of the best uninsured motorist coverage car insurance companies, but it does fairly well for itself.
Customer service is responsive, and it settles claims satisfactorily according to customers, even if Liberty Mutual car insurance rates are higher than average.
The Last Word on Hit-and-Run Accident Claims With Liberty Mutual
No one will argue in favor of dealing with a hit-and-run accident, but thankfully you have some recourse. Customers with an uninsured motorist plan or personal injury protection coverage can expect to have their repair costs handled.
If you live in a state where this isn’t mandatory coverage, it is well worth considering adding it to your current plan. The additional expense might be an annoyance, but it certainly beats having to shoulder expensive vehicle repairs and medical bills.
Frequently Asked Questions
If I’ve been in a hit-and-run accident, what’s the best course of action?
Immediately following an accident, you’ll want to assess damage to your vehicle if able. If you or one of your passengers are injured in the aftermath of a hit-and-run, you will want to contact emergency services.
The claims process can be handled after you and your passengers are deemed safe and secure. When you’re able, you’ll want to start the process as soon as possible.
Is there coverage for hit-and-run accidents?
There aren’t specific plans for hit-and-run accidents. Instead, car insurance operates in a similar manner to uninsured motorist coverage since you’re effectively dealing with a driver that has no insurance coverage.
Should I carry uninsured motorist coverage?
There are 22 states where uninsured motorist coverage is required, so you might already have it.
However, it can be very difficult to justify additional expenses with your current insurance coverage if it’s not required. That said, there is something to be said about being prepared just in case you’re involved with an uninsured or hit-and-run driver.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.