P&C Question (20 Characters)

UMPD laws regarding hit and run drivers vary so much from state to state that they're all over the place.

-some states require UMPD to cover hit and run drivers.

-some states prohibit UMPD to cover hit and run drivers.

-some states require that the driver must be identified to file a UMPD claim.

-and as mentioned, some states require a police report.
 
Nationwide accident forgiveness is only good once until that accident drops off. it might benefit you to have an estimate independently done before you report a claim so you're not using it if it's really minor and you could fix it yourself.
 
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