Can two different hit and run accidents on the same vehicle be filed as one claim on uninsured motorists if occurred at different times of the year?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jan 14, 2016

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Insurance Question from Golden, TX

Asked on 01/14/2016

Can two different hit and run accidents on the same vehicle be filed as one claim on uninsured motorists if occurred at different times of the year? My vehicle was hit in a store parking lot early last year and they left the scene. I filed a report with police but have not gotten around to getting my vehicle repaired. Another incident happened before Christmas and my truck was hit again in a different spot and different location and person left the scene without giving me their name, etc. Can both of these accidents be filed to insurance as one claim under my uninsured motorists even though they occurred at different times of the year?

Answer given on January 16, 2016

Hit and run incidents are considered separate accidents under your automobile insurance. The claim needs to be filed under your collision insurance and your deductible will apply to each claim. It is good that you filed a police report because it supports your claim of a hit and run. Based on this and presumed police report on the second accident, your insurance company should not charge you for either accident so they should not affect your rates.Uninsured motorist coverage is generally involved in bodily injury from an uninsured or underinsured driver. If you happen to have uninsured motorist property damage, then it will cover for damages to the car but only for an “identifiable” driver. Unfortunately, this is required because someone could back into a wall or something and try to claim it as hit and run.If you do not have collision coverage on your truck, then you will have to pay for all damages yourself.

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