In the event of a hit-and-run auto accident, what must the insured do to qualify for collision coverage?

To qualify for collision coverage in the event of a hit-and-run auto accident, reporting the incident to the police is essential. This step serves multiple purposes. First, it establishes an official record of the accident, which is crucial for any insurance claim process. Insurance companies typically require a police report to substantiate the claims made by the insured. Second, the police can investigate the accident and gather evidence, which may assist in locating the responsible party or providing information for the claim. Documentation from law enforcement can significantly streamline the claims process and support the claim's legitimacy.

While other avenues like filing an uninsured motorist claim may be applicable depending on the situation, the fundamental requirement for collision coverage specifically emphasizes the importance of notifying the police immediately after the incident occurs. This action lays the groundwork for any further dealings with the insurance company regarding the collision coverage.