Hit and Run and What you Should Know

by | May 5, 2021

A hit and run accident is when a collision occurs and one person leaves the scene. Regardless of whether you were in the car at the time of the accident or your vehicle was hit while parked and you were not there, it’s important to know what to do right after.

Hit and Run and What you Should Know

Follow the steps below if you are involved in a hit and run accident:

Dial 911. If you were involved in an accident while you were in it or if someone was injured. Help is now on the way so write down any details that you may remember regarding the car that hit you, such as make, model, color and license plate number, even if you only caught part of it.

Any witnesses? Are there witnesses? See if there was anyone around that was a witness to the accident. If you do find anyone, be sure to get their information and write it down. That’s important in case the insurance company or police need to get in touch with them.

Take pictures. Take some pictures, if it is safe to do so of the damage to your car and the scene where the accident took place. Paint from the other car can be transferred onto your car when a collision occurs, so be sure to get those photos as well.

Need help with a hit and run? Call us today at 800-558-2420

Report to police within the first 24 hours. It is very important to file a police report as soon as possible, as it is considered a crime.

Get in touch with your insurance company’s emergency number. Prior to calling have as many details as you can gather to help your insurance company process the claim as fast as they can.

Hit and Run – Are you Covered?

Typically, any damage to your vehicle from a hit and run is covered under collision through your insurance. Not everyone has collision as it is sometimes optional. If you don’t have collision on your vehicle at the time of the accident, then you will have to pay out of pocket.

What about a deductible after a hit and run?

The answer is, you will have to pay the deductible for the part of your policy that covers the damage if you file a claim. However, there are some insurance companies that offer a deductible waiver for a hit and run.

Will the cost of insurance be affected?

Any time you present a claim after someone else has damaged your car in a hit and run, it typically should not impact your premium as long as you reported the accident to the insurance company and police and your insurance company considers it a no fault loss.

Any questions regarding your car insurance and a hit and run should be discussed with the insurance company.

For more information call Vehicle Accident Law Group today at 800-558-2420