It’s illegal to drive your vehicle off after an accident without exchanging any information or contacting the police, yet some drivers still do it. Maybe because they are underinsured or totally uninsured, or simply afraid of the consequences car accidents may have on their auto insurance premiums. But what happens when someone who hits your car flees the scene of the accident?
Here is your tell-all guide on what to do in the unfortunate event of and hit-and-run accident while driving your vehicle or while it was parked in a parking lot.
What Should I do in The Event of a Hit And Run Accident?
You should photograph your automobile and the area around it as soon as possible after an accident. Start by writing down as much information as you can about the car accident. The police would want to know all of this information, as well. The time and date are obvious, but the address where the accident occurred is not.
You should also document any other vehicles at the scene, then contact any witnesses to the event. If the police submit hit and run charges against the culprit, their testimony might be helpful.
Once you’ve gathered the hit-and-run car accident proof, turn it over to the police and give a statement. They’ll investigate the collision and attempt to identify the other motorist. Contact your insurance company and report the accident so they can obtain any paperwork you submitted to them.
Are Deductibles Paid in a Hit And Run Car Accident?
If you are involved in a hit-and-run auto accident, you will have to file a car insurance claim with your insurance company.
If you utilize the uninsured motorist bodily injury coverage to cover your car damages and your personal injury after a hit-and-run accident, you will not be held liable for an auto insurance deductible.
If you submit car insurance claims after the hit and run for your personal injury protection and collision coverage from your damaged vehicle, you may be responsible for multiple deductibles.
Are Hit And Runs Covered by Liability Insurance?
Your liability insurance only covers damage to the other vehicle if you are in an accident. Because you can’t claim on your liability insurance to reimburse your injuries, you won’t be able to make a liability insurance claim.
If the cops catch up with the driver who hit your car and left, and bring hit and run charges against him or her, you may file an auto insurance claim under their car insurance company as a no-fault driver whose car has been hit by their insured driver.
What Is The Penalty For a Hit And Run Accident?
Depending on where you live and the circumstances of the accident, fleeing from the scene of an accident will result in a number of penalties.
Leaving the scene of an accident without reporting it to the police is a misdemeanor if no one was hurt but the hit and run driver. A felony or a misdemeanor charge can come from a bystander being injured or killed due to a hit-and-run.
Is There Auto Insurance Coverage For Hit And Runs?
Hit and runs seem to be on the rise, so make sure you have full or adequate car insurance coverage in case anything goes wrong and you need to face the consequences of your car being hit while parked in a parking lot or by an uninsured or underinsured motorist.
To assess your current auto insurance policy, contact a professional insurance broker and ask about additional car insurance coverage, such as collision coverage, personal injury protection, and uninsured and underinsured motorist coverage, and reduce your risks to the minimum. Even if someone hits your car and flees the scene of the accident, you can have auto insurance coverage with such additional policy coverages.
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