Are hit-and-run accidents not covered?

Hit-and-run accidents are accidents that cannot be prevented no matter how carefully you drive.
It is said that car insurance does not cover hit-and-run accidents, but is this actually the case?

〇What is a hit-and-run accident?
A "hit-and-run accident" is a car accident in which only the at-fault party is at fault and the victim is not.
In terms of the so-called fault ratio, the ratio of perpetrator to victim is 10:0.

Why can't insurance companies handle hit-and-run accidents?
In a typical traffic accident, your insurance company and the other party's insurance company will negotiate a settlement as parties involved.
However, in the case of a hit-and-run accident, the victim's share of the fault is "0", so the perpetrator is not liable for damages.
Therefore, the victim's insurance company is not involved in the accident and cannot respond.

What should you do if you are involved in a hit-and-run accident?
If the insurance company is unable to negotiate a settlement, hire a lawyer to do so.
However, many people may be worried that they will have to pay expensive legal fees.
What you want to use is the ``attorney's fees rider'' that can be added to your car insurance.

〇What is the attorney's fees special clause?
This is a special clause that covers attorney's fees, legal consultations, and document preparation costs required to file a legal claim for damages against the other party in the event of an accident involving your insured vehicle.
You can hire a lawyer specializing in handling accident claims without worrying about costs.


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