Hit-and-run accidents are an unfortunate reality on South African roads. These incidents often leave victims to face the aftermath alone, as the responsible drivers flee the scene without offering assistance or identification.
Understandably, many people wonder how their car insurance applies in such situations, especially when the at-fault party cannot be identified.
What is a Hit-and-Run?
A hit-and-run occurs when a driver causes an accident or property damage and leaves the scene without stopping. This includes situations where a parked car is damaged and no contact details are left behind. Under South Africa’s National Road Traffic Act, this behaviour is a criminal offence.
What to Do After a Hit-and-Run
If you’re a victim of a hit-and-run, there are steps you can take to protect yourself and your claim:
- Report the incident to the police and obtain a case number
- Gather evidence such as photos of the scene, witness statements, or CCTV footage
- Notify your insurance provider as soon as possible, as most insurers require a police case number to process your claim
Does Insurance cover Hit-and-Run Accidents
The type of car insurance you have determines the level of protection you’ll receive in a hit-and-run situation.
Comprehensive Car Insurance
Comprehensive car insurance offers the broadest and most complete cover, including damage caused by unidentified drivers. While you may need to pay an excess, the majority of repair costs are typically covered under this policy.
Property Damage
If your car damages property like gates or walls during a hit-and-run, comprehensive insurance is more likely to cover these costs.
Uninsured Motorist Protection
Some insurers provide optional cover for incidents involving uninsured or unidentified drivers. This benefit can help with medical expenses and, in some cases, car repairs following a hit-and-run.
Third-Party Insurance
Basic insurance options like third-party only or third-party, fire and theft generally do not cover damage to your own car. In a hit-and-run, where there’s no other party to claim against, these policies typically won’t provide financial assistance for repairs.
Beyond Car Damage: The Financial Impact
Hit-and-run incidents can lead to costs that go beyond fixing your car. Some insurance policies include medical cover, which can assist with costs related to injuries sustained in a hit-and-run. The extent of this cover depends on your specific policy.
Preventative Measures and Trends
With hit-and-run incidents being so common, many drivers are taking extra precautions:
- Installing dash cams to capture evidence
- Using car tracking systems for added security
- Parking in well-lit, secure areas reduces risk
While these measures can’t prevent all incidents, they can make it easier to gather evidence and support your claim.
Make Sure You Have the Right Insurance Cover
The type of car insurance you have plays a big role in how protected you are after a hit-and-run. Comprehensive car insurance offers the most robust cover, including for damage caused by unidentified drivers, while basic policies provide limited protection.
As hit-and-run incidents remain a challenge on South African roads, it’s worth considering the level of cover you need to safeguard yourself against the unexpected.
Disclaimer
This article is for informational purposes only and does not constitute financial advice.
Cover terms and conditions vary by insurer and policy type. For specific guidance, refer to your policy documents or consult a qualified financial advisor.
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