How Do Hit and Run Automobile Insurance Claims Work?

It is challenging to file a claim when you have no information about the person who caused the damage. Thankfully, there is a solution you can purchase to deal with these sorts of situations. We will try to explain the process and hopefully you will know what to expect at the end. Let’s start with describing it.

What Is a Hit and Run Accident?
The name clearly describes the actions of a driver who causes a vehicle accident and chooses not to stop to have a look at the damages and injuries or provide information. Such incidents can happen between automobiles, an auto and property or a car and a pedestrian.

Who Pays for Hit-and-Run Injuries and Property Damages? 
The answer to this question depends on several factors including the state rules and whether the fleeing motorist is ever identified.

Own car insurance company usually pays hit and run claims. In most states, Uninsured Motorist Bodily Injury and Property Damage compensate appropriate losses. Simply, it takes the place of the at fault (fled) driver’s liability coverage. It is another reason to arrange decent level of lability limits because you cannot have UMC more than those levels.

It is mandatory with minimum liability coverage in some states and optional in others. You can find out the state’s position through ins. department website or by calling them. UMC is generally reasonably priced and provides good protection from people with no auto insurance as well as the ones fled the scene.

What Happens if UMC Isn’t Available in the State?
California, Colorado, Georgia, Illinois, Louisiana and Ohio don’t allow Uninsured Motorist Property Damage to be used in hit-and-run collisions. Instead, your vehicle insurance Collision coverage may be able to pay for the auto repairs in these states.

What If Hit-and Run Driver Can Be Identified?
If you or a witness somehow managed to get the vehicle license plate number, it would be up to the police and your carrier to find out about the policy details of the at fault person. Then, they would be made to pay one way or another even after you have been paid by own insurance. If they paid you already, they would be entitled to recoup the money from third party carriers through subrogation and you may be entitled to a refund of any deductible you paid.

What to Do in Such an Incident?
When you are nicely traveling along, another car may appear out of nowhere and crash on to you. Normally, they would stop but if they don’t what to do?

  1. You should not under any circumstances chase the offending vehicle. This may cause further issues and aggravations. It is best to check that everybody is alright and you are not causing obstruction, rather than chasing after anybody. Pull over and deal with injuries and check for auto body issues.
  2. Next, take a breath and write down anything you can remember about the car just escaped. License plate number, color, make, model and anything about the driver (male or female?) will help you at a later stage. Also, note the time and location of the incident and how it happened. Which direction you were travelling, where the other car came from, which direction it went and any witnesses to the incident are all valuable details.

Luckily, most of these incidents happen in car parks where someone nicks, scratches or catches rear-view mirror, realizes that there is nobody around to see or nobody is hurt and decides to quietly disappear. The consequences of fleeing a scene of a crash are very serious, especially when there are injuries. People can be sent to prison for it that most people would stop. Besides, there are so many cameras everywhere now that a little helpful description would be enough for the authorities to catch up with them, unless it was a stolen vehicle or something like that.

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