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What to Do after a Hit-and-Run Accident

 

On occasion after a collision, the other driver flees the scene, leaving you likely frazzled and scrambling. If you carry uninsured motorist coverage, the costs will be covered by your insurer.

However, there things you should and shouldn't do if you've been involved in a hit-and-run accident.

Whatever you do, do not follow or chase the fleeing driver. Chasing down the other driver puts you at risk of having a violent confrontation . The fleeing driver may have a reason to flee the scene. If you  leave the scene, you may miss out on gathering eye-witness accounts of the accident.

Here's what to do:

  1. Get as much information as you can about the vehicle that hit you, such as:

    • Model and make

    • Color

    • License Plate Number

    • The direction the other vehicle was headed when the driver fled.

  2. Call the police and file a report. The official accident report will help police look for the missing driver, and will be useful when you file your accident claim.

  3. Try to find witnesses and ask for their names and contact information.

  4. Write down the time and location of the accident.

  5. Take pictures of the accident scene.

  6. Take pictures of your car and all the damage, especially if another vehicle's paint is visible on it.

  7. Call your insurance company and report the claim.

To make sure that your insurer will pay to fix the damage caused by an uninsured driver, you need to carry uninsured motorist coverages on your policy.  Uninsured motorist bodily injury coverage pays for medical expenses; uninsured motorist property damage covers car repairs.

 
Frances Zettl