Car accidents are already stressful, but it’s even more troubling when the other driver leaves the scene. If you’ve been the victim of a hit-and-run accident, you might wonder, will insurance cover hit-and-run accidents? This uncertainty can be unsettling. The damage to your car, potential medical expenses, and the hassle of dealing with insurance can feel overwhelming.
In this article, we’ll clarify how different types of car insurance coverage can help when the responsible party disappears. You’ll learn the steps to take after a hit-and-run accident, how to file a claim, and what to expect from your insurance company.
Understanding Hit and Run Accidents
A hit-and-run accident occurs when a driver leaves the scene without providing necessary personal information or assistance. This type of incident can be particularly distressing because the victim is often left to deal with the aftermath alone. In many places, this act is considered a misdemeanor unless it results in significant injury or death, in which case it can be classified as a felony. This legal classification underscores the seriousness of the offense.
When the responsible driver in a hit-and-run cannot be found, liability coverage won’t be available to cover your damages. The other driver’s insurance will not cover your medical expenses or car repairs. This aspect helps set your expectations for your insurance policy.
Immediate Steps After a Hit and Run
If you find yourself in a hit-and-run accident, the first thing to do is move your car to the side of the road. Then, turn on your hazard lights to ensure safety. Check on any passengers, call 911 to report the accident, and contact law enforcement when it’s safe. Prioritizing safety is essential.
While waiting for the authorities, try to get the license plate number, make, and model of the car that fled the scene. A police report serves as crucial documentation for your insurance claim. These steps can help you manage the aftermath of the incident more effectively.
Types of Insurance Coverage for Hit-and-Run Accidents
Adequate insurance protects your financial health and helps manage the economic impact of hit-and-run accidents. Different types of insurance coverage can help cover various expenses, such as vehicle repairs, transportation costs, and medical bills.
Knowing the different types of coverage available will aid in selecting the right policy for your needs.
Collision Coverage
Collision coverage is designed to pay for damage to your vehicle in a hit-and-run accident. Liability coverage helps pay for vehicle repairs or replacement after such an incident, making it a valuable part of your auto insurance policy. However, you must pay a deductible out of pocket before your insurer will cover the repairs.
Collision coverage is typically optional. However, it may be necessary if you have an auto loan or lease. Being aware of the financial implications and requirements helps you make an informed decision about including collision coverage and its limits in your car insurance policy.
Uninsured Motorist Coverage
Uninsured motorist coverage provides financial protection in hit-and-run situations. This type of coverage does not require a deductible for bodily injury, helping to cover medical bills and lost wages. It also assists in repairing damages caused by an uninsured driver or a hit-and-run incident.
Consult your insurance provider for specifics on your uninsured motorist property damage coverage. This will help you understand what is covered and how to proceed in the event of a hit-and-run.
Medical Payments Coverage
Medical Payments Coverage (MedPay) covers medical expenses for you and your passengers, regardless of fault. This means that even if the hit-and-run driver is not identified, your medical expenses related to injuries from the accident will be covered.
MedPay is usually optional, though it may be mandatory in some states, and generally does not require a deductible.
Personal Injury Protection (PIP)
Personal Injury Protection (PIP) covers a wide range of expenses in a hit-and-run accident and is designed to help cover immediate expenses without the need to establish fault. It ensures prompt financial support, including medical bills, lost wages, child care, household, and funeral expenses.
A PIP claim can be made even if the hit-and-run driver cannot be identified. PIP coverage is mandatory in no-fault states, which means that drivers must carry it as part of their auto insurance policies. However, PIP is not available in all states, as some states follow a fault-based system where the at-fault driver’s insurance is responsible for covering damages.
How to File an Insurance Claim for a Hit and Run
Filing an insurance claim after a hit-and-run can be complex, but knowing the steps can make it more manageable. If the driver is identified, victims can pursue compensation through both insurance claims and personal injury lawsuits.
Knowing the process and required documentation aids in navigating this challenging situation.
Gathering Evidence
Collecting evidence is necessary for a successful hit-and-run claim. Victims are advised to document any details of the other vehicle involved, such as the license plate number, make, and model, whenever it’s safe to do so. Additionally, collecting details such as the accident’s time, location, and weather conditions can strengthen your claim.
Witness statements can provide valuable insights and corroborate your account of the incident. Initiating a lawsuit against a hit-and-run driver requires gathering relevant evidence from the accident, such as witness statements and police reports. These steps can significantly bolster your case.
Contacting Your Insurance Company
After gathering the necessary evidence, notify your insurance company promptly. Be ready to provide documentation, such as police reports and the evidence collected to your insurer.
Your insurer will specify the required documentation for filing your claim after a hit-and-run.
Following Up on Your Claim
Consistent communication with your insurer helps you understand your claim’s status. Frequent check-ins ensure efficient claim processing, which helps you stay informed about the status of your claim.
Knowing the expected timeline for claim processing helps manage expectations and reduce anxiety. Continued follow-up is crucial for ensuring your claim moves forward smoothly.
Will a Hit and Run Affect My Insurance Rates?
Filing a hit-and-run claim often raises questions about its potential impact on car insurance premiums. Typically, a single claim does not lead to a rate hike, but it will be recorded and could influence future insurance rates. This knowledge can help manage expectations and inform decisions.
Impact of Multiple Claims
Filing multiple insurance claims can increase your car insurance premiums, as insurers may view you as a higher-risk policyholder. Each claim may influence your risk profile, potentially leading to higher premiums.
To keep insurance rates from skyrocketing, it’s crucial to understand the impact of claims and consider financial stability measures such as improving credit scores. This can help offset potential increases from previous claims.
Preventive Measures
A clean driving record helps keep insurance premiums lower over time. This is one of the most effective ways to ensure your insurance costs remain manageable. Higher claim frequency may increase insurance costs, so driving safely and avoiding accidents whenever possible is essential.
Legal Recourse and Seeking Compensation
Hit-and-run victims can explore legal routes to receive compensation, including personal injury lawsuits if the offending driver is identified. Knowing your legal options can help you recover damages, including medical expenses and lost wages. Working with a lawyer can clarify these options and assist with the process.
Suing the Hit and Run Driver
If the hit-and-run driver is identified, victims can file a personal injury lawsuit against them for compensation. This can include medical costs, lost wages, and other damages. Legal actions can be pursued in civil court, and the driver may also face criminal charges for leaving the accident scene.
Victims can also negotiate a settlement with the driver’s insurer if the at-fault driver is known. This can be a quicker way to receive compensation without a lengthy court process.
Working with a Car Accident Lawyer
Consulting a lawyer is essential for handling the legal and insurance processes after a hit-and-run accident. A lawyer can answer victims’ questions and ensure all necessary information is effectively communicated to insurance adjusters and the police. This guidance can be invaluable in making sure your case is handled properly.
Lawyers can also help victims explore different compensation options that may be available to them. By facilitating communication and negotiating directly with insurance companies on behalf of the victim, a lawyer can increase the chances of obtaining a fair settlement. This can provide much-needed financial relief during a difficult time.
Manage the Legal Process and Insurance After a Hit-and-Run Accident in Hawaii
Dealing with the legal process after a hit-and-run accident can be overwhelming, but understanding your insurance options and the steps to take can make a big difference. From gathering evidence and filing a claim to exploring legal actions, being informed can help you manage the situation effectively. Whether through collision coverage, uninsured motorist coverage, or working with a lawyer, there are ways to seek compensation and protect your financial well-being.
For those in Hawaii, the Recovery Law Center offers specialized hit-and-run accident lawyers. Schedule a consultation with us so we can provide the guidance and support you need.
