How does Liberty Mutual handle claims involving hit-and-run accidents?

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.

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.