Hit and Run in Texas: How to Determine Coverage – Collision vs. UMPD
I recently experienced a hit and run incident where my car sustained minor damage to the rear bumper. The other driver hit my bumper while reversing out of their parking spot and left the scene before I could gather any information about them.
I’ve received several repair estimates from local body shops, and they’re all around $1500. Unfortunately, my collision coverage has a deductible of $1500, which doesn’t leave me with much help. However, I do have Uninsured Motorist Property Damage (UMPD) coverage with a $250 deductible, as required by Texas law.
My question is: How can I ensure that this claim is processed under UMPD instead of my collision coverage? I would appreciate any advice or suggestions!
In Texas, when dealing with a hit-and-run situation, you have the option to file a claim under Uninsured Motorist Property Damage (UMPD) coverage, which often comes with a lower deductible compared to your collision coverage. Here are some steps you can take to ensure your claim is processed under UMPD rather than collision:
Report the Incident: Start by filing a police report for the hit-and-run. Having an official report will support your claim and help to demonstrate that the other party was at fault and fled the scene.
Contact Your Insurance Company: When you contact your insurance provider, explicitly state that your claim is for a hit-and-run and that you want it to be filed under UMPD. Be firm in your request, and provide them with all necessary details from the incident and your police report.
Verify Your Coverage: Confirm with your insurer that you have UMPD coverage and that it applies to this situation. Discuss your deductible as well, noting that you’d prefer to use the $250 UMPD deductible over the $1500 collision deductible.
Document Everything: Keep a record of all communications you have with your insurance company, including names of representatives, dates, and details of discussions. This can help if there are any disputes later.
Request Confirmation: After submitting your claim, ask for a confirmation that it will be processed under UMPD. Don’t hesitate to follow up if you don’t receive a timely response.
Follow Up on the Claim: Stay proactive by checking in with your insurer for updates on the status of your claim to ensure it remains classified as UMPD.
If you encounter any resistance from your insurance company about designating the claim as UMPD, remind them of the specifics of the hit-and-run and your desire to utilize that coverage. If necessary, ask to speak with a claims supervisor. Good luck!