Yearly, you pay for your auto insurance coverages so that just in case some crazy motorist (or pedestrian) decides to make life miserable for you by involving you in an accident, you’d be able to claim something. And it is definitely handy at times given all the crazy drivers out there. Better safe than sorry.

An interesting scenario: What if some jerk cuts your lane and causes you to swerve and crash against the road railing. The whole side of your car is damaged and the jerk sped off. Will you still be covered by your insurance? But there’s no actual contact. The jerk never hit you anyway.

Well, it’s nice to know your rights when it comes to these things. Definitely, you’d want the company to cover such a case. That’s the reason why you pay so much insurance, right? And the US Supreme Court agrees.

A “hit-and-run” driver is defined as “a motorist who has caused, or contributed by his negligence to, an accident and flees the scene without being identified.” Hit or not, the jerk must pay. And since it’s a legit accident, the insurance company must pay too.

Source: Supreme Court ruling