If you are involved in a hit and run accident, you must remain calm and do the following:
- Check yourself and your passengers for injuries;
- Call the police: Report the accident to the police as soon as possible. Make sure law enforcement writes a report of the accident and properly describes what happened.
- Get witness information: If there are any witnesses to the accident, get their contact information. They may be able to provide valuable information to the police.
- Take photos: If possible, take photos of the scene of the accident, including any damage to your vehicle and the surrounding area.
- Report the accident to your insurance company: Even though the other driver left the scene, you should still report the accident to your insurance company as soon as possible.
- Keep all documentation: Keep any documentation related to the accident, such as police reports, medical bills, and repair estimates.
Whose insurance company is responsible for paying after a hit and run?
It depends on the type of insurance coverage you have. If you have collision or comprehensive coverage, your insurance company will typically pay for the repairs to your vehicle, regardless of who is at fault for the accident. However, if you only have liability coverage, your insurance company will not pay for the repairs to your vehicle.
If law enforcement catches the driver, then you can go after that driver for damages. Your damages included, property damage, medical expenses, and lost wages. Your insurance company has paid to repair your vehicle, then they may seek reimbursement from the other driver’s insurance company. If the other driver is not located, then you may still seek compensation since the unknown driver will count as an uninsured driver and thus you can rely upon your coverage under your uninsured motorist policy.
