Car Insurance 101: What to Do in a Hit and Run Accident

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As a dramatic, stressful, and often traumatizing event, a traffic accident can not only ruin your day or your plans but also affect your physical health and insurance. Making the right decisions and navigating in a stressful situation can be challenging. Experiencing a hit and run, however, can even be agonizing. Understanding how to handle such auto accidents right is the key to ensuring that you and your vehicle are sufficiently protected.

What to Do If Someone Hit and Run Your Car

Regardless of the fact that you might have somehow caused an incident or have been affected by it, rule number one is to stay on the location. While there is much more to it than just remaining beside your vehicle, it is crucial to learn how to report a hit and run to the police and make sure that your insurance company is informed about the accident. In case you have fallen victim to the hit-and-run, consider following these general guidelines no matter how overwhelming the situation is.

  1. Information is of the essence. Do your best to collect as much information as you can while remaining on the scene. In this case, memorizing and writing down such details as the license plate, the car model, its color, and any other distinctive features is paramount. 
  2. Make every effort to identify the exact time, location, and circumstances of the accident. 
  3. Find the witnesses (if there were any) and get their contact information right away.
  4. Determine the specific or rough direction the other vehicle was headed.
  5. Take pictures of your automobile or a motor vehicle and the accident scene.
  6. Contact the police or 911 to report a crime since it is crucial to inform them about what happened within 24 hours. Naturally, the role of a police report should not be underestimated. With its help, you are not going to be considered an at-fault party at a later stage.
  7. Contact your insurance company or your agent and make an insurance claim. While it might take a lot of your time, it is crucial to stay patient and provide as much information as possible about the accident.

Can Your Insurance Cover a Hit and Run?

Such accidents and associated damage to the vehicle often fall under the collision policy coverage. While it is an optional policy, the majority of insured drivers choose to add it or buy it as a part of a bundle offer provided by the car insurance carriers. In case you do not have a collision policy, there is no chance that the insurance company will agree to cover the repair.

If your policy covers such accidents, your insurance company might even assist with looking for a rental car and towing the damaged one. What is more, if you are able to identify or find the driver, and the driver will happen to be insured, you can use his information to file a claim with his insurance company. While a hit-and-run claim should not affect your premiums, multiple claims can. Therefore, do your best to avoid such accidents at any cost.

The Bottom Line

Being uninsured, especially when it comes to hit-and-run circumstances, is not an option. Having at least a minimum auto insurance can come in handy and offer you the essential protection and coverage. Taking out car insurance online is crucial to avoid being held financially accountable for all the expenses and repairs. To ensure that you have at least the minimum coverage, consider requesting insurance coverage quotes and using professional insurance comparison tools. This way, you can choose an affordable and suitable policy offering everything you need to be protected from irresponsible drivers.

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