What Do I Do if I Was the Victim of a Hit and Run?
When you are the victim of a hit and run accident, you likely feel angry and confused, and it can be unclear how to get compensation for your damages and injuries. However, there are steps you can take to create a smoother experience, should you be in this unfortunate situation.
Gather as much information as you can to help police and your car insurance company identify the other vehicle. Try to find and get contact information for any witnesses.
If you have uninsured motorist (UM) coverage and/or collision coverage, your provider may cover the damage in a hit and run and compensate you or any of your passengers for any injuries.
What Is a Hit and Run Accident?
A hit and run accident is any accident in which a driver intentionally leaves the scene without providing contact information.
Examples of hit and run accidents include:
A car hits you and speeds off.
A driver hits your unattended parked car and leaves no contact information or way of collecting damages.
What to Do After a Hit and Run Accident
While you’ll likely be feeling immense stress if you’re a victim of a hit and run, it will help to stay as calm as possible and gather as much information as you can.
Having more information:
Increases the chances that the police will catch the driver who hit you.
Helps your car insurance company make decisions about your claim.
First, get as much information as you can about the car that hit you, such as:
- License plate number.
Finally, take the following steps before leaving the scene:
- Write down the time and location of the accident.
- Take pictures of the accident scene.
- Take pictures of your car, especially if another car’s paint is visible on it. (This will help you prove that you are not attempting to defraud your insurance company.)
If the hit and run occurred when you were away from your parked car, jot down as much information as you can, such as:
Who Pays for Hit and Run Damage and Medical Care?
This depends on certain factors, including whether the fleeing driver was identified and what state you live in.
Payment for hit-and-run claims usually comes through your own car insurance. In most states, the coverages in question are uninsured motorist bodily injury and uninsured motorist property damage, which essentially act as the at-fault (in this case, hit-and-run) driver’s liability coverage. Uninsured motorist bodily injury helps pay for injuries caused by a hit-and-run accident, while uninsured motorist property damage covers damages to your car.
The good news is that these coverages are relatively affordable, and they offer significant financial protection from the uninsured (or hit-and-run-committing) drivers up to the limits you select.
Sources: dmv.org and esurance.com