Are you aware of what to do if you are involved in a hit-and-run car accident? It can be a very upsetting realization that often leads people into a panic, but the first thing you should do is take a deep breath and make sure that everyone is safe. If anyone was injured, call 911 immediately. After checking on everyone’s well-being, you can then proceed to handle the logistics.
Speak with Witnesses
Ask around to see if anyone witnessed the incident to gather as much information as possible about the driver and vehciles involved. Get witnesses’ contact information so that the police and your insurer can follow up with them. It is helpful to gather the following information about the individual who committed the hit and run:
- License plate number
- Their vehicle’s make, model, and color
- Personal description
- Direction they headed
- Location, time, and cause of the accident
- Photos of the damage they caused (especially if their car’s paint is visible on the impact area)
- Photos of the accident scene
- Description of damage to the other vehicle
It is important that the incident is reported to the police within 24 hours to help them better determine and handle the guilty party. Provide them with as much information as possible with the names and numbers of any witnesses.
Then you will need to contact your auto insurance company to notify them of the accident. To file a not-at-fault insurance claim, you will typically have to report any hit-and-run damage to the police within 24 hours for it to be legally considered a hit-and-run. A hit-and-run claim does not count against you as a chargeable claim. Victims of this kind of properly insured case will find it relatively easy to file their hit-and-run claim by speaking with an agent. A hit-and-run accident claim will be processed through a collision policy of your auto insurance. If the violator was identified, the loss might be covered by the property damage coverage of your policy which typically does not trigger a deductible, which is why it is advised to speak to any potential witnesses.
What Not to Do
Never follow a driver who flees the scene
This is very unsafe as you never know how they will react, plus this will lead to missing out on getting the witness’s information. It is in your best interest to have the police handle that.
Do not wait to call the police or your auto insurance company
All too often, people put off making the reports. The official accident report is so beneficial for the police to search for the driver, and it is of great help to you when filing an accident claim.
About Thayer Innes and Freeman Bunting Insurance Agencies
At Thayer-Innes Insurance Agency and Freeman Bunting Insurance Agency, we strive to provide comprehensive insurance solutions to support Ann Arbor homeowners. Our homeowners’ policies can be tailored to meet your specific risk exposures and provides much more coverage than a traditional policy, giving you the peace of mind you deserve. For more information about our products, contact us today at (855) 395-6316.