yea, see mine is collision if they hit me and property if i hit something/someone but hit and run is a different part of my insurace last i checked, maybe it's because i have no fault:dunno:

like i said in the other thread, most ppl would be better off getting a deductable plan with a higher deductable, that way when something really goes wrong the insurance will pay for most of it, and your fees and premiums won't be as high (ie, put 1500 in the bank, save more than 1500 with decreases in fees and premiums over many years because of stupid claims that are like $200 as well as how many times are you going to total a car?, get a 1500 deductable and then maybe you can even afford the coverage for collision)