No one wants to be the victim of a hit and run accident, but if you are, your comprehensive coverage will take care of the damage. When living in Lakewood Colorado, there is always a chance that your vehicle could be hit while parked in the street or at the shopping mall. If this happens, it may be unlikely that someone will leave a note with his insurance information. If this is the case, you would need to file a claim under your own insurance policy.
Although filing a claim with your own insurance is an option, you will also need to keep in mind that your rates could increase and you may loose your discount for never having to file a claim. It is unfortunate when your car is damage and the responsible party does not own up to the damages, but you do not want to make things worse by filing a claim and then paying more for your insurance coverage. It will depend on the amount of damage that was done to your vehicle when deciding whether to file a claim. If it is just a little dent or scratch, you may be better off buffing it out yourself. Although, if there was major damage, you will probably need to file a claim.
You should always compare quotes for automobile insurance in Lakewood Colorado. You never want to spend too much money on this type of protection. When you are speaking with an independent agent, ask him to compare rates from the leading insurance companies and find you the best deal. If your rates are low, at least you will know you are getting great insurance protection to take care of your vehicle even if it is involved in a hit and run accident.