If you are the victim of a hit-and-run, it can be a scary and frustrating experience. It may feel like a hopeless situation to be in but there are still steps you need to take to protect yourself. If you find yourself in this situation the first thing you should do is call the police. The police may be able to find the driver. At the very least they will be able to provide you with an accident report showing the crash was the result of a hit-and-run—you will need this official documentation for your insurance claim. After you call the police you will also need to:
- Get medical attention. You are going to have to prove that you got injured in the crash. Simply saying you were hurt will not be good enough for the insurance company.
- Call your insurance company. You need to tell them you got into an accident, the accident was a hit-and-run, and that you intend to make a claim on your policy.
- Review your insurance policy. Find out what the claims process is and find out what the maximum policy coverage is for uninsured motorist claims because they will not pay more than the maximum limit.
- Proceed with an uninsured motorist claim. Your insurance company takes the place of the other driver whose insurance should actually be paying.
As terrible as a hit-and-run crash can be, there are steps you can and should take that could possibly lead to the arrest of the driver, or at the very least help you have a better outcome.
If you have been the victim of a hit-and-run and have any questions, don’t hesitate to give Oxner + Permar a call for a free consultation.