You’re stopped at a light on Forbes Avenue, or your car is parked outside a shop in Squirrel Hill, and someone clips it and drives away before you can get a plate number. Hit-and-run accidents leave Pittsburgh drivers with damage and, often, no clear path to getting it paid for.<\/p>\n
Normally, the at-fault driver’s liability insurance covers your damages. In a hit-and-run, there’s no identified driver to file a claim against, which shifts the burden to your own policy, assuming you have the right coverage in place.<\/p>\n
Pennsylvania law requires insurers to offer uninsured motorist coverage equal to your bodily injury liability limits, and it’s automatically included on your policy unless you sign a specific written rejection. This coverage is designed to respond in situations exactly like a hit-and-run, where the at-fault driver can’t be identified or held accountable.<\/p>\n
Uninsured motorist coverage in Pennsylvania typically addresses bodily injury, not vehicle damage, unless property damage coverage has been specifically added. For repairs to your car after a hit-and-run, collision coverage is usually the piece that responds, which is why carrying both types of coverage together matters more than most drivers realize until they need one without the other.<\/p>\n
With roughly one in seven drivers nationally carrying no insurance at all, uninsured motorist coverage isn’t just a hit-and-run safety net, it also protects you against drivers who are identified but simply uninsured. Reviewing your coverage now, rather than after an incident, gives you a much clearer picture of where you stand.<\/p>\n
This connects to the broader coverage clarity we’ve discussed for Pittsburgh households, including our post on building a smarter auto insurance plan for shared vehicles<\/a>, since both topics come down to understanding exactly which part of your policy is doing the work in a given situation.<\/p>\n Wentroble Insurance Agency in Pittsburgh, PA helps drivers confirm they have the right uninsured motorist and collision coverage before an incident forces the question. Visit Wentroble Insurance Agency<\/a> today to review your policy.<\/p>\n","protected":false},"excerpt":{"rendered":" The Driver Who Doesn’t Stop You’re stopped at a light on Forbes Avenue, or your car is parked outside a shop in Squirrel Hill, and someone clips it and drives away before you can get a plate number. Hit-and-run accidents leave Pittsburgh drivers with damage and, often, no clear path to getting it paid for. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[11,7,9],"class_list":["post-31","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-auto-insurance","tag-pittsburgh","tag-wentroble-insurance-agency"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t