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Texas Department of Insurance
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January 30, 2024

Will your auto insurance pay after a hit-and-run crash?


Every 43 seconds someone in the U.S. is involved in a hit-and-run accident. We hope it never happens to you, but statistics show it’s something that unfortunately happens a lot. So, what can you do?

Make sure you have the right auto coverage to repair your car.

In Texas, the law requires you to have liability insurance, but that won’t pay to repair your car after an accident. Liability insurance only pays to repair the other person’s car if you’re at fault in an accident.

To get your car repaired, you’ll need a car insurance policy with collision coverage or uninsured/underinsured motorist (UM/UIM) property damage coverage. Both pay for car repairs after a hit-and-run accident. UM/UIM coverage usually has a lower deductible than collision coverage and may pay for a rental car if you need it.

If you don’t have collision or UM/UIM coverage, consider asking your agent how much they would cost to add to your policy. Read about other coverages you might need in our Auto insurance guide.

Also read: Were you in a wreck? Tips for auto insurance claims