I Was Involved In A Hit and Run Accident. Am I Still Covered?

It can be difficult to be involved in a car accident. Matters can be made even worse if there were injuries and the driver at fault left the scene. Even when both parties involved in an accident exchange contact and insurance information, there is still a lot of work to do in order to get things taken care of. If the other party in your accident flees the scene of the accident, you might be wondering if you are covered. The best way to get answers to your particular case would be to consult with a reputable personal injury lawyer. They can sit down with you and go over your case to see what options might be available to you.

What To Do After A Hit And Run

Typically, the first thing to do after an accident is to make sure everyone who needs medical attention gets it. Emergency services should always be called. Once that is situated, the claims process begins by simply exchanging insurance and contact information with each other. However, if you were involved in a hit and run accident, it will be more complicated. Try your best to remain calm and remember as much information about the driver and their vehicle that fled as best as you can. You should then call emergency services. They will send an ambulance if you are injured and a police officer to take your information and create a report.

If there are any witnesses to the accident, gather information from them if possible. If they are not able to stick around long enough to speak with an officer, get their names and contact information. In many cases, the witnesses can be a valuable piece to winning any claims you are trying to get awarded. Before leaving the scene of the accident, get pictures of the surroundings, injuries and damages. Ask the police to add these to your police report. This information can be very useful when you are working with your insurance company to make a claim.

Making Your Claim With Insurance

With a hit and run claim, you won’t readily have the insurance information about the other driver involved. Because of this, you will have to enact the uninsured or underinsured portion of your auto insurance policy. Many states have minimum requirements for all drivers to have on their insurance policies. Most car insurance companies recommend more coverage for this because hit and run accidents are more common than you would think. Unfortunately, even if you use this part of your insurance policy, you will still have to cover the deductible out of your own pocket. If the perpetrator is caught, you may be able to work with a personal injury law firm to help get those costs you paid out-of-pocket reimbursed to you.

Filing The Police Report

In some states, the police will only report to accident scenes if there has been injuries sustained. If you are involved in a hit and run accident and are injured, an officer will come to the scene and file a report for you. However, if you were not injured, you will have to go to your local police station in order to file a report. This is an important step and should not be neglected or put aside for too long. Even if you think the chances of finding the driver are slim-to-none, you should still file a report at the police department. If anything, the report will help you when making your claim to the insurance company.

There are many reasons why people flee the scene of an accident they are involved in. Some of the top reasons include being intoxicated, scared or without car insurance. None of these reasons are fair to you, especially if they are the ones that caused the accident. However, taking all of the steps mentioned, including getting help from personal injury lawyers, will help your claim get resolved more quickly so that you can get any compensation you are owed and be able to move on with your life. Because there are statistics showing that hit and run accidents are on the rise, it is important to get yourself covered and prepared ahead of time with your insurance company in the event you are involved in one.

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