mn joe, i worked quite a few years for an insurance company handling claims. you do need to read the specifics of your policy. however, a hit and run accident involving another vehicle would be under the collision portion of the policy and the deductible would apply. under the umpd portion of the policy, un-insured motorist property damage coverage, the other driver would need to be proven not to have insurance. the insurance policy depends on the "proximate cause of loss" in this case, collision with another vehicle" comp coverage would apply to vandalism, theft, collision with animal, ect. something i found unusual would be that hitting a pedestrian with an automobile is covered under the collision portion of the policy, not under comprehensive coverage.
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Today's Featured Article - On the Road with Dave Gohl: Deere Departed Friend - by Dave Gohl. Have you ever had to part with a dear friend? It's not easy. If it's due to death, your feelings could be in disarray for days, months or even years. Even now after almost 4 years, I still miss my dad. I remember when I was a kid my dad sometimes would tuck my brother and I in at night and we would ask him questions about his childhood on the farm. To this day, it's some of the best stories I've ever heard. And now, I'm so glad that I asked those questions, and if I were a little smarter i
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