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How To Handle a Hit and Run

October 4, 2013

Hit and run accident

How To Handle a Hit and Run

A hit and run accident can be one of the most frustrating experiences for a driver. Whenever another driver strikes a vehicle and leaves the scene, it is considered a hit and run accident, and that driver is in violation of the law. Unfortunately, especially in a case where the accident is not witnessed, hit and run drivers often get away with it. Fortunately, your insurance company may help take care of the damage.

After a Hit and Run Accident

If your car is struck by another vehicle, which then proceeds to leave the scene, the first thing you should do is to record any information about the vehicle you are able to see. That includes the make, model, and colour of the car, any description you can get of the driver, and the license plate number if possible. Pull over and talk to anyone who witnessed the accident who might have seen more detail than you did, and obtain their contact information as well as any information they have to offer.

If you did not witness the accident but instead find your vehicle legally parked with damage, ask around to see if anyone witnessed the incident. In either case, your next step should be to report the accident to the police.

Make a Police Report

Leaving the scene of an accident is a serious offence, and the driver of a hit and run vehicle faces consequences if they are caught. Providing the police with all of the information you can about the incident increases the odds that the driver may be apprehended.

Call the police as soon as is possible after the accident. If you are driving when the accident occurs, you should first ensure that no one is injured and then move the car to safety if possible. If your car is parked, wait nearby for the police to arrive. It’s a good idea to take a few photographs of the damage to your vehicle for later reference. After the police have taken their report, your final step is to report the accident to your insurance company. Your insurance company will likely require that you have made a police report before taking the claim as a hit and run; this is to prevent fraudulent reporting of how the damage to a vehicle actually occurred.

Report the Accident To Your Insurance Company

Because there is no other driver whose insurance company can be involved in taking care of the damage, a hit and run accident will be taken care of under your own policy. Hit and run accidents are the only accident in which you are not at fault for which you will be required to pay your collision deductible, in most cases. This can vary from company to company. The reason for this is that there is no other insurance company involved to pay off the damages under their insured driver’s liability. Since your liability applies only to damage to other vehicles when you are at fault, it can’t be used to cover a hit and run accident.

A hit and run will be covered under your collision coverage, which is why you will have to pay the deductible that accompanies that coverage. There is no other coverage on your auto policy that will cover a hit and run; if you do not carry this optional coverage, you will not have insurance benefits to cover your damage.

Because you are not at fault in the accident, you will not have an increase on your insurance premiums as a result of filing the claim and providing a police report. The deductible will be your only responsibility in the repair.

A hit and run accident is frustrating because the person at fault has left the scene, leaving you to deal with the damage to your vehicle. Reporting the accident to the police is the best step you can take to help get a hit and run driver off the road.

  • AGuitar

    For all the money paid to insurance companies they should ALL operate on a good faith principle and not charge the deductible. After all, why should an innocent person suffer the financial blow of a deductible for something they could not prevent? It seems most companies operate on a bad faith line of thinking and that should be punishable.

  • erica

    Okay, so my boyfriend and I got a car from my mom but the plates were still under her name and my boyfriend went to drive the car with no insurance either and as we were turning to make a U turn a van hit us from the back and we got scared and just fled the accident and went back to my place and took the plates off and after a couple of hours the cops came and is giving my boyfriend 5 charges and said the other driver told them we made an illegal U turn when we didn’t but the cops said that it made more sense to believe the other driver cause we were driving illegaly and left the accident.. what do we do?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    I would seek legal advice.

  • Peter

    You were clearly in the wrong … Pay the fine … Driving without insurance is huge …you may have hurt yourself or someone else

  • Peter

    Pay the fine … You are 100% at fault .. You had no legal right to be on the road .. With a vehicle not regesitered or licensed

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    Explain to your insurance company what happened and let them deal with it.

  • Eduard Santiago

    I was making a left turn and this lady came to the north and almost hit my vehicule in the front. I dont know what happened but I make the turn with green light and I dont know if this lady over passed red light or yellow light or both traffic lights came to green at the same time….So we make a stop close to a gas station and we talk together and we have a little confrotation. This lady it was driving with a child in the front with no seat belt… So we decide to go home each other and we dont call the police because it was nothing to be reported… So no accident in the scene….Just close to it

  • Ben

    SO I was driving across this street and my friend told me to back up. I backed up and moments later I scraped a truck with my van. my van turned out to be fine with minimal damage such as scratches and a broken piece of a taillight. However, I left the scene because my friend told me to. What should I do? I feel bad about hitting that person’s truck, because he might not be able to work. Should I leave a note and apologize? I don’t want this to escalate into the owner calling the cops because I’m a new driver who recently just go their license. Please help.

  • Ben

    Update, I think someone saw me because when my friend asked what happened, someone said they saw the van, they didn’t get the license plate because it was dark but they know its a van.

  • Jean Charles

    driving on the highway in New York, somebody cut me while im doing 60 and the other car was speeding so I avoid the accident and I hit the curve I went on top of snow knowing that im out of states driver from North Carolina, my car is a lil damage my door couldn’t open and someone was trying to help me with my car to get it down but we couldn’t get it down. the police come without us calling, when the police show up I told him I don’t want no accident report cause I didn’t hit no body it was an incident. he told me no problem he took everything from me my license my regristration and my insurance. he told me that he made and incident report. plz anyone im worry I don’t know if my insurance is going to noticed what happened or is it going to my license as an accident. they don’t cover out of states. Thanks!!!

  • D K

    The police report shouldn’t affect insurance. Not sure about U.S. laws, but in Canada, if there’s over $1000 damage total to all vehicles involved or any injuries then it must be reported. What will affect your premiums is if you make a claim and do not have 1st accident forgiveness. I’d find out cost to fix and ask you insurance agent if that will affect your premiums and go from there. But don’t stall.

    I had 1 accident. Not at fault. Insurance repaired my vehicle, gave me a rental for time it was in repairs (1 week), and my premiums were not increased.

  • thathahah

    Because anyone can say “I didn’t cause the damages it was a hit and run” and then everybody pays more insurance as a result…

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