Whether it’s a minor fender-bender or a more serious crash, being in a car accident can be stressful. It’s even harder when the other driver leaves without sharing their information—a hit-and-run. If this happens to you, here are some steps to help protect yourself:
Don’t chase the other driver.
Trying to follow them can put you and your car in danger. Plus, if you don’t call the police right away, it could slow down your insurance claim. This information is intended as a general guide and does not constitute legal advice. For legal concerns, please consult a qualified attorney.
Write down everything you can about the other vehicle.
This info may help the police find the driver and make sure you’re not stuck paying for the damage:
- Make, model, and color of the car
- License plate number (even part of it)
- Which way they went
- When and where the accident happened
- Photos of the scene and your car’s damage
- Names and contact info of any witnesses
Call the police.
Once you’ve gathered the details, call the police to file a report. When they arrive, share everything you noted.
Look for nearby cameras.
Many places have security cameras that might have recorded the hit-and-run. Video footage may be helpful in finding the other driver.
Contact your insurance company.
Let your insurer know what happened to start the claims process. If your policy includes these services, your broker may assist with towing and rental car arrangements.
Do you have the right coverage?
Minimum insurance might not cover all the costs after a hit-and-run. Having full collision and uninsured motorist coverage may help protect you if the other driver doesn’t have insurance or can’t be found.
If you want to review your coverage or have questions, our brokers are here to help.
