One moment, you’re driving peacefully. The next, there’s a loud crash. The other driver speeds away before you can process what happened, leaving you shaken, confused, and wondering what to do next. A hit-and-run accident isn’t just frustrating; it can leave you dealing with injuries, financial stress, and the overwhelming task of seeking justice.
Recovering compensation after a hit-and-run accident may seem difficult, especially when the at-fault driver disappears without a trace. But you’re not out of options. Whether through insurance claims, legal action, or other available resources, you can ensure you’re not left paying for damages that weren’t your fault.
Let’s go over what to do immediately after a hit-and-run and the legal options available to help you move forward.
What to Do Immediately After a Hit-and-Run Accident
When a driver flees the scene, quick action can make a big difference in your case. Here’s what to do:
Stay Calm and Check for Injuries
Your health comes first. If you or anyone else is injured, call 911 right away. Even if you feel fine, some injuries take time to show up, so it’s always best to get checked by a medical professional.
Gather as Much Information as Possible
Since the other driver left, any details you can remember will help authorities track them down. Try to note:
- The make, model, and color of the vehicle
- The license plate number (even a partial plate can help)
- The direction the car was headed
- Any identifying features, like damage to their vehicle
Look for Witnesses and Surveillance Cameras
If anyone saw what happened, ask if they’re willing to provide a statement. Also, check for security or traffic cameras nearby that may have recorded the accident.
Report the Incident to the Police
A police report is critical in a hit-and-run case. It creates an official record and can be essential when filing an insurance claim or pursuing legal action. Provide all the details you’ve gathered, including witness statements.
Legal Options After a Hit-and-Run Accident
Even if the other driver isn’t found, you still have ways to recover compensation. Here’s how:
Filing an Insurance Claim
Many insurance policies cover hit-and-run accidents. Depending on your coverage, you may be eligible for:
- Uninsured Motorist (UM) Coverage: Protects you when the at-fault driver is unknown or uninsured. It can help cover medical bills, lost wages, and other damages.
- Collision Coverage: Covers car repairs, even if the other driver isn’t identified.
- Personal Injury Protection (PIP) or Medical Payments Coverage: Helps pay for medical expenses regardless of who was at fault.
Seeking Legal Assistance
If the police identify the hit-and-run driver, you may be able to file a lawsuit against them. A lawyer can help you:
- Pursue a personal injury claim for medical expenses, lost wages, and pain and suffering.
- Hold the at-fault driver accountable for their negligence.
- Negotiate with insurance companies to maximize your compensation.
Victim Compensation Funds
Some states offer victim compensation programs to help those injured in hit-and-run accidents. These funds can help cover medical expenses, therapy, and even lost wages if your injuries prevent you from working.
Tracking Down the Driver
Law enforcement and private investigators may be able to locate the fleeing driver. If they are found, they could face criminal charges, fines, and civil liability for the damages they caused.
Conclusion
Being the victim of a hit-and-run accident can be stressful, but you don’t have to face it alone. If you’ve been in a hit-and-run accident, don’t wait. Report the incident, explore your legal options, and seek professional guidance to ensure you get the justice you deserve. Whether through insurance, legal action, or state victim funds, there are ways to ensure you’re not left bearing the burden of someone else’s negligence.
