It’s illegal to drive off after an accident without exchanging any information, yet some drivers still do it. What happens when someone who hits your car flees the scene? Here is your tell-all guide.
What to do in The Event of a Hit And Run
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 incident. 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 proof, turn it over to the police and give a statement. They’ll investigate the collision and attempt to identify the other motorist. Report the incident to your insurance company so they can obtain any paperwork you submitted to them.
Are Deductibles Paid in a Hit And Run?
If you are involved in an auto accident, you will have to file a claim with your insurance company. If you utilize the uninsured motorist bodily injury coverage to cover your damages, you will not be held liable for a deductible. If you utilize your collision coverage to repair your car, you will have to pay the deductible. If you submit claims for your personal injury protection and collision coverage, 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 claim. If the cops catch up with the other driver and bring Hit and run charges against him or her, you may file a claim under their insurance.
What Is The Penalty For a Hit And Run?
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. It is a misdemeanor in some states to leave the site of an accident without reporting it 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.
Is There Insurance For Hit And Runs?
Hit and runs seem to be on the rise, so make sure you have full or adequate coverage in case anything goes wrong. To assess your current policy, contact a professional insurance broker. Even if someone flees the scene of the accident, you can have coverage with such a policy.
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