Filing a Hit and Run Accident Claim

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Having to file an insurance claim after suffering through a hit and run accident can be a daunting task.  It is imperative to your financial recovery that your claim is filed correctly or it could have a negative impact on the amount you ultimately recover.

Determine your Insurance Coverage Type and Amount

Unfortunately until they are involved in a hit and run, some people aren’t sure what types of coverage’s they’ve contracted for.   Residents of certain states need not worry for underinsured and uninsured motorist coverage is mandatory.  If you are not sure, take a look at the most recent copy of your policy.  It will contain details on the types of coverage and the amounts of coverage that are available to you.

Contact Your Insurance Company

You should contact your insurance company via phone as soon as you have gathered your wits about you and can provide them with basic information such as where the accident happened, any information about the other driver and /or the drivers’ car.  As soon as you feasibly can you should also provide your insurance company with a copy of the police report.

What Happens Next

If you have the appropriate coverage’s your insurance company will get the ball rolling on fixing your property damages, until the full extent of your injuries- if any is known.   Serious injuries are usually accompanied by long term rehabilitative care and pain and suffering.  These elements are recoupable out of insurance coverage- be it the other drivers or your underinsured or uninsured policy.   Your insurance company has a vested interest in pursuing the insurance company of the hit and run driver, so they will conduct and assist the police with their investigation into the accident.

You will need to cooperate in any ongoing investigations into the identity of the driver and if he or she is found, there is the chance that you will be called upon to testify in court. 

Seeking Legal Help

For anyone involved in a hit and run accident, quickly seeking the advice of a reputable attorney is pivotal to the protection of your rights and maximum recovery of damages whether they are personal, property, or both. A licensed attorney in your area can provide you with the advice and assistance you need in making sure that you exhaust all possible methods of recouping for your loss.