Recovering from a hit and run accident can often be a lengthy and frustrating process, since hit and run drivers generally leave little or no information at the scene. Knowing what to do when you have been the victim of a hit and run will reduce your stress and significantly shorten your recovery time.
As an automobile owner, you shouldn't wait for an unexpected event to wonder if you are covered. Liability Only insurance policies are often considered economical, but becoming the victim of a hit and run accident can easily negate any potential savings, especially if the offending driver is never caught or turns out to be uninsured. While Full Coverage commands higher premiums, such coverage, is often the better choice, especially for those with newer or more expensive vehicles. In addition to comprehensive coverage, an uninsured motorist policy will also help you avoid the hassles of Small Claims Court if the hit and run driver has fled the scene due to lack of coverage, which is often the case.
Even if you are victimized by a hit and run driver, knowing that you have the correct coverage in place should help you maintain your composure while you gather the information necessary to file your claim. As soon as you become aware that you are the victim of a hit and run, contact the police and file a report regarding the incident. If you witness the accident while it is taking place, try to note as much information as possible about the offender's car. Take detailed notes regarding the accident, including details such as the make, model, color, and license plate number of the offender's vehicle, and encourage any other witnesses present to do the same. This information will assist the police in locating the driver, and the insurance company in processing your claim. Once your claim is filed, be sure and keep in touch with both your insurance company and the police regarding it's status.
Unfortunately, a hit an run driver may never be located. He may never have to directly make restitution to his victim. Thankfully, if you have properly prepared yourself before you are victimized, restitution will still be made, and you won't have to take bear responsibility for his actions.
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