Does my car insurance cover a hit and run

We see this all the time, am I covered when my car gets hit in a parking lot?

Unfortunately hit and run accidents especially in parking lots happen every day.

If the responsible party leaves the scene or doesn't leave a note, your insurance will have to kick in to pay the damage. This would fall under your collision coverage.

If you do not carry physical damage coverage on your auto policy, you are going to be out of luck.

This is one of the main reasons you should carry physical damage.
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202 N Center St, East Syracuse, NY 13057

[jorgesam]

Do you have to pay your deductible when you are the victim of a Hit and Run?