Preheader
 
Home Page
Auto Quote Quick Links Commercial Insurance Personal Insurance Bonding Health & Life

Filing an insurance claim after a hit-and-run accident

Getting into any type of car accident can be scary. But it's even worse when the other driver flees the scene. The hit-and-run driver's goal is to try to get away. But if you act swiftly and smartly, there's a good chance you can have them held responsible.

 

Here are the steps you should follow, if you find yourself in this situation.

1. Immediately Call 911

Call 911 and immediately tell the dispatcher you were just involved in a hit-and-run accident. It’s important to share this information quickly, so the dispatcher can notify police officers in the area before the driver gets too far away. Tell the dispatcher everything you saw about how the other driver and car looked, including the license plate number if you got it. When the police arrive, be ready to give a statement with the same information. Also, share how the accident happened.

2. Talk To Witnesses

Other drivers might stop to see if you're okay. Don't just tell them you're fine. Ask them if they saw the accident, got the fleeing driver’s license plate number, or might have the accident recorded on their dash cam. If they have information and aren’t able to wait for the police to get on scene, take down their contact information. That way police, your insurance company, or your attorney can use them as a witness later.

3. Call Your Insurance Company

Call your car insurance company, just as you would after any other accident. If the police were able to identify the other driver, your insurance company can then get their insurance information from the police. (Assuming, of course, the offending driver is not uninsured.)

If the police can't identify the other driver or the other driver didn't have auto insurance, you would need to make an uninsured or under insured motorist claim. If you bought this coverage, your insurance company will pay what the other driver's liability policy would have likely paid, up to the limits that you purchased.

If you don't have uninsured or under insured motorist coverage, your collision coverage will usually help with damage to your car, and your personal injury protection will usually cover some of your medical expenses. You'd have to pay for anything beyond that, unless you're able to successfully sue the other driver and collect the judgment.

Posted 4:00 AM

Share |


No Comments


Post a Comment
Name
Required
E-Mail
Required (Not Displayed)
Comment
Required


All comments are moderated and stripped of HTML.
Submission Validation
Required
CAPTCHA
Change the CAPTCHA codeSpeak the CAPTCHA code
 
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2020
  • 2019
  • 2018


View Mobile Version
  QUICK SITE LINKS

Home Page
Who We Are
Get A Quote
Contact Us
INSURANCE SERVICES 

Commercial Insurance
Personal Insurance
Bonding
Health Insurance
Life Insurance
Mexico Auto Insurance
Insurance Glossary

CONTACT US  

Map & Directions

Phone: 915.599.2900

Fax: 915.921.5550

FOLLOW US

ACCESS TO SOME OF
THE BEST CARRIERS
 
Aetna
Amwins
Dairyland
Liberty Mutual
 
Personal Umbrella