A hit and run accident can be a stressful event for drivers. Any type of accident is certainly frustrating, but a hit and run accident can be emotionally draining. Drivers can do the most possible to protect themselves by being prepared.
The best thing that you can do is to first record as much information as possible. If you were present for the accident, record details about the other vehicle – including make, model, color, and any other features that you can note. A license plate number would of course be ideal.
Don’t forget to record the other basics. For instance, the date, time, location, and damage involved is essential to your forthcoming claim.
The next step will be to submit an accident report through local law enforcement. A report will help speed the process of auto claims with your insurance company. This is a helpful step even when there’s not much to report.
Speaking to your insurance company will be the next phase of the process. Feel free to contact the company or your insurance agent for guidance along the way. They will be able to help you obtain expenses through the other person’s insurance company, or, if you can’t identify the person (or they don’t have insurance), through your policy via uninsured or underinsured motorist protection.
Of course, some drivers don’t have this level of protection. If this is the case, you would be unable to recuperate your losses. If you want to avoid having to pay for scenarios like this, you could consider adding uninsured and underinsured motorist protection onto your car insurance policy. That coverage could come into play in a hit and run accident.
If you have adequate coverage, you can expect to be paid for expenses at outlined in your policy. Bodily injury and property damage are the two types of protection that will be relevant to the situation. Of course, the deductibles will be applied.
A hit and run accident can be a difficult and emotional time for drivers. Maintain awareness for the key steps to prepare yourself for this event and how to react to it properly and promptly.