It’s a real challenge to fill a claim when you are unable to identify the car that hit you. If you want to find out the answer to your unanswered question Does car insurance cover hit and run? you need to become familiar with different situations to conclude the answer. You need to discover the right answer, by considering the perspective of your insurance agency itself. You will find out what you can expect for when you fill a hit and run claim and how this situation is defined.
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What is a Hit and Run Accident?
When you’re ready to find out the answer to the question you first need to understand what this situation actually is. You are dealing with a hit and run situation when someone hits your car and will not stop to give you information about this incident.
A hit and run event can take place between a car and a pedestrian, a car, and a property or between two or more cars.
Who is Responsible for Paying the Medical bills and Hit and Run Damage?
This will depend on a number of factors, such as the state that you live in and if the driver who hit you was identified or not. Your car insurance policy should actually give coverage for hit-and-run situations as well.
This type of coverage is considered to be relatively affordable and it significantly protects you from the financial point of view, when a driver hits you and runs away. The good news is that when you are able to identify the license plate number of the car that hit you and the police can confirm the promptness of your claimed information, the other driver could be financially held because he is responsible for hitting your vehicle.
What to Do When You Get Involved in a Hit and Run Car Accident?
You are relaxed and currently driving when suddenly someone hits your car. The other driver won’t bother to stop and until you realize what actually happened, he is already far away. It’s obvious that the first questions that arise in your mind are:
‘What should I do now?’
There are several steps to consider when you want to find out the answer to the question. The first thing to do is to pull over and if there were other passengers in the car with you, make sure that everyone is okay.
Even if your first instinct would tell you to immediately go after that coward driver, don’t do that. Instead, make sure that everyone is fine and then see how severe the damage is.
Secondly, you will have to record as many details as you can about the incident that just took place. This task will definitely become difficult to fulfill, especially when you were unable to see who the other driver was and the details of his vehicle.
However, giving as many information as possible about the car and the driver itself is essential. In addition, provide the details that indicate the location and time when the incident took place, the sequence of the events and if there were any eyewitnesses who could confirm your data or give additional information.
Announcing the police is the final step to do and leave the rest of the things to be handled by the professionals. Hopefully, all of these things give the right answer to the question.
Does It Affect My Insurance Policy?
If you are not in fault, you may not face any problem to get a policy in future. However, if you are in fault, you may have to pay a bit higher premium next time.