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 - Tractor Implements and Their Use - by Curtis Von Fange. Dad was raised during the depression years of the thirties. As a kid he worked part time on a farm in Kansas doing many of the manual chores. Some of the more successful farmers of that day had a new time saving device called a tractor. It increased the farm productivity and, in general, made life easier because more work could be done with this 'mechanical beast'. My dad dreamed that some day he would have his own tractor with every implement he could get. When he reached his early sixties
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