Hit and Run

In auto terms, this is a form of accident that is caused by a person who refuses to provide any needed information or fail to render assistance at the time of the accident.

In a situation like this, if the accident victim had earlier bought an auto coverage, he/she may have the alternative of using his/her insurance claim for damages done.

Hazard

In speaking auto insurance terms, this is something that is capable of causing an accident or increases its chances of occurrence. These things can come in any form and at any time. They range from climatic conditions such as wind, storm, etc.

Other forms of these may also come as a result of the poor condition of the vehicle, such as the brake, side mirror and the front class.

If you notice any fault in these areas of your car, why not buy the right auto insurance coverage for it, or if you have already bought an insurance policy you can use the premiums to do some repair work for it to save you more money.