Just because there’s no other party to hold liable for damages does not mean you are alone if you’re the victim of a hit and run accident. Your own car insurance coverage can help you pay for medical bills, lost wages, as well as other expenses. Make sure you take the right steps and know what to do after the hit and run.
Gathering the Necessary Information for a Hit and Run Accident Claim
One of the first things to do at the scene of a hit and run is to see if anyone was able to recall any details of the vehicle and the driver. The more information you have, the better the chances that the police can track down the responsible party.
Jot down the names and contact information for any witnesses to the accident and ask that they provide all information they can to the police who respond to the scene.
Know Your Insurance Coverage
The next thing to consider is your own car insurance coverage. Pennsylvania requires drivers carry medical benefits coverage of at least $5,000. This pays for your medical bills up to the policy limits.
If the driver had stuck around, even limited tort policies would allow you to recover compensation from the other driver but not pain and suffering damages. If you have full tort, though, you would have no restrictions to bring suit.
But unfortunately, if the driver fled the scene you don’t have another driver to hold liable. In Pennsylvania, motorists have the option to purchase uninsured motorist (UM) coverage. This insurance will apply to a hit and run accident because claims such as these treat the lack of a liable driver the same as a driver without insurance.
UM coverage provides compensation for bodily injury, but not property damage. Collision coverage, another optional coverage, can help with repairs to your vehicle.
Don’t Get Angry – Get Help
You should never attempt to chase or otherwise locate a hit and run driver on your own. Contact the police immediately to get the accident documented and begin collecting evidence.
The authorities can handle the criminal case after hit and run accidents; you should focus on handling your injury case.
Report the accident to your insurance company immediately to begin a claim. Health insurance may also help cover damages that you suffered in the accident. An attorney familiar with these cases can help you understand your options to seek damages for the injuries and losses caused by the hit and run driver.
At Cordisco & Saile, We’ll Be by Your Side Every Step of the Way
Leaving the scene of an accident involving serious injury or death is a criminal offense punishable by fines and jail time. The police will handle the criminal investigation, and the attorneys at Cordisco & Saile LLC will help you handle the insurance claim.
We help families in Newtown, PA and nearby areas whose lives are disrupted by negligent hit and run drivers. Call 215-642-2335 to set up a consultation with an attorney and get started on your case today.