Right away
- Call 911 if anyone is hurt
- Write down everything you remember: plate (even partial), color, make, direction
- Photograph the damage and the scene
- Look for witnesses and cameras (stores, homes, dashcams)
File a police report
Report it to the local police or CHP as soon as possible. Insurers usually need a police report for a hit-and-run claim.
Which coverage pays
- Collision coverage on your policy usually pays for repairs, minus your deductible.
- Uninsured motorist property damage (UMPD) in California is limited and usually requires the other driver to be identified.
- If the driver is found later, your insurer can go after them and you may get your deductible back.
Get an estimate
Bring the car in for a free estimate and photo documentation. We'll work with your insurer on the claim.
FAQ
Does insurance cover a hit-and-run in California?
Collision coverage usually does, minus your deductible. Uninsured motorist property damage coverage is limited and typically requires the driver to be identified.
This article is general information, not legal or insurance advice. Rules and policies change — check your policy and the official source, or ask us.