Hit and Run Questions. Looking for advice.

Originally Posted by 37zeroZ

Usually, in every full coverage policy there is some sort of deductible the insurer pays. The higher the deductible, the lower the insurance premium. Since hit and runs are looked at as UM and you have collision coverage, both come in place in your case. You collision includes a $500 deductible, but since you have the UM collision waiver, you should not be required to pay the first $500 of the repair out of your pocket.

I'm not a California insurance company, but by looking at your policy, this is my take.