i only have minimum or whatever on my cars. where it fixed the other persons car if i hit them but not mine. yet it still covers hits and runs, hitting any type of animal, and theft. and i only have to pay 100 deductible to get a new windshield.... anyways i had someone back there vehicle into mine and just drive off, i never reported it to the police, yet my insurance company covered it.

 

Ken! that sux! I am sad for you.