Hit-and-Run Claims: What to Do
If you’ve become the victim of a hit-and-run, remain calm and resist the urge to chase the other driver—it’s unsafe and won’t benefit your situation.
1. Ensure Safety and Document the Incident
Initially, pull over safely and verify that all passengers are okay. Next, assess the damage to your vehicle and begin documenting the incident. Record as many details as possible:
- Vehicle Description
For instance, note the color, make, model, and license plate number of the fleeing vehicle if visible. - Accident Details
Furthermore, document the time, date, and location of the accident. Describe the direction in which the other car fled and your position during the incident. - Witness Information
Additionally, if any witnesses observed the accident, gather their names and contact information. Their accounts can be crucial, especially if you didn’t catch the license plate. Witnesses might also provide additional details about the vehicle that could prove useful.
2. Contact the Police
After documenting the details, promptly call the police to report the hit-and-run. Filing an official accident report is essential, as it will support your insurance claim. A police report serves as a formal record of the incident, which is necessary for processing your claim.
3. File a Claim with Your Insurance Company
Following the police report, reach out to your insurance company to file a hit-and-run claim. Your insurer will guide you through the claims process. Generally, your car insurance will cover the costs associated with a hit-and-run.
- Uninsured Motorist Coverage
Moreover, most insurance policies include protection for hit-and-run incidents. However, verify whether you have “uninsured motorist” coverage, which can be mandatory in some states and optional in others. Therefore, check with your state’s department of insurance to ensure you meet the legal requirements.
4. Tracking Down the Driver
If you manage to locate the driver responsible for the hit-and-run, they will likely be held financially accountable for the damages. Conversely, if your vehicle was parked and unoccupied during the incident, follow the same steps: report to the police and file a claim with your insurance company as soon as possible.
By taking these steps, you can effectively navigate the aftermath of a hit-and-run and ensure you receive the necessary support for repairs and compensation.