mn joe, i worked quite a few years for an insurance company handling claims. you do need to read the specifics of your policy. however, a hit and run accident involving another vehicle would be under the collision portion of the policy and the deductible would apply. under the umpd portion of the policy, un-insured motorist property damage coverage, the other driver would need to be proven not to have insurance. the insurance policy depends on the "proximate cause of loss" in this case, collision with another vehicle" comp coverage would apply to vandalism, theft, collision with animal, ect. something i found unusual would be that hitting a pedestrian with an automobile is covered under the collision portion of the policy, not under comprehensive coverage.
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Today's Featured Article - Madison's County - by Anthony West. Philip Madison has been a good friend of mine for quite some time. He has patiently suffered my incessant chit chat on the subject of tractors for longer than I care to remember, and on many occasions he has put himself out, dropped what ever it was he was doing, to come and lend a hand cranking handles, or loading a find onto a trailer. Although he himself has never actually owned or restored a tractor, he was always enthusiastic and always around helping with other peoples projects.
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