The Direct Auto Insurance has had a number of people asking about what happens when their car is parked and its involved with a hit and run accident. Will my insurance pay for my car? Your direct auto insurance policy may or may not cover you in this instance. A lot of people will think that their Liability coverage will come into play and pay for the claim. And others will expect the Uninsured Motorist coverage to cover it.
Many people are disappointed to find out that Collision is the answer to this question. If you have liability only coverage your probably out of luck and will need to pay the expense out of pocket. The bad news is if you have full coverage you will need to pay your deductible from your Collision coverage in order to have your car repaired and covered by your car insurance.
So remember the next time your looking at doing a car insurance comparison you want to make sure you check your deductibles.