No one hopes to be the victim of a hit and run accident, but if you find yourself in this situation, you need to know how auto insurance can help. While some parts of the process may seem daunting, understanding your policy and the steps that follow a hit and run can make it easier—and ensure that you get back on the road quickly.
In this blog post we’ll walk through all aspects of what happens when your vehicle has been damaged in a hit and run so you can have confidence navigating this complex process.
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What is a hit and run accident and who is liable for the damages caused
A hit and run accident occur when a driver hits another vehicle, pedestrian, or property and flees the scene without providing any identification or assistance. These types of accidents are illegal and can result in consequences for the party responsible. The liability for damage caused in a hit and run accident falls on the driver who caused the collision. However, this can be difficult to determine if the party responsible is not identified. In such cases, the victim’s insurance policy may cover the damages, if they have uninsured motorist coverage.
It is important to always remain at the scene of an accident, exchange contact and insurance information, and file a police report. Any illegal activity or attempt to evade liability can only make the situation worse for the responsible party overall.
How to report a hit and run accident to your car insurance company
If you’ve been involved in a hit and run accident, it’s important to report it to your car insurance company as soon as possible. Reporting the incident promptly can help speed up the claims process and you with the support you need to get back on the road. To report the accident, you’ll need to provide your insurance provider with your policy number, the date and time of the incident, and any details you can about the other vehicle involved.
It’s also a good idea to file a police report, if possible. Remember, your insurance company is there to help you through this challenging time, so don’t hesitate to reach out if you need assistance.
What evidence needs to be collected after the incident
After an incident occurs, evidence collection is crucial for determining the cause and preventing future incidents from happening. It’s important to collect as much relevant evidence as possible, such as photographs, videos, witness statements, and physical items that may have been involved in the incident. This evidence should be carefully documented and preserved to ensure its integrity.
The process of evidence collection should be conducted by trained professionals who understand the proper procedures for handling evidence to ensure its admissibility in court, if necessary. By collecting and preserving this evidence, investigators can gain a better understanding of what occurred, identify potential culprits, and prevent future incidents from happening.
How long does it take for your insurance company to process a claim related to a hit and run
If you’ve been the victim of a hit and run accident, one of your biggest concerns is how long it will take for your insurance company to process your claim. While there isn’t a universal answer to this question, most insurance companies will have a timeline in place for handling hit and run claims. Usually, you can expect to hear from your insurer within a few days after filing the claim. From there, they will work to determine the cause and extent of the damage, which can take anywhere from a few days to a week or more.
Factors like the amount of damage and the complexity of the claim can impact how long the process takes, but your insurance company should be able to give you a rough estimate of how long you can expect to wait. The goal of your insurer is to provide you with a fair and timely resolution to your hit and run claim.
How your car insurance can help cover the costs of repairs
Car repairs can be a costly and unexpected expense. However, did you know that your car insurance policy may be able to help cover the costs? Most comprehensive car insurance policies include coverage for damages to your vehicle, including repairs. Depending on your policy, you may be able to get help covering the cost of repairs for things like fender benders, weather-related damage, and even vandalism.
The exact coverage and benefits you’ll receive will vary depending on your policy and individual circumstances. However, if you’re faced with a car repair bill that seems overwhelming, it’s worth checking with your insurance provider to see if they can help lessen the financial burden.
Tips on how to avoid getting into a hit and run situation in the future
Getting into a hit and run situation can be a nightmare. It not only puts you and others in danger, but it can also have legal repercussions. However, avoiding this situation is possible. First, always be aware of your surroundings when driving. This includes being attentive to other vehicles, cyclists, and pedestrians. Secondly, obey traffic rules and signals, and avoid speeding.
Lastly, always stop and exchange information if you get involved in an accident. Remember, being cautious and taking the necessary precautions can make a significant difference in avoiding a hit and run situation in the future.
Finally
The aftermath of a hit and run can be a stressful time, but knowing the basics of how to report it to your insurance company and what evidence to collect will help you get through it. With the right research and preparation, you can prove who caused the damage and have your car repairs covered by your auto insurance. Not only that but following these tips on avoiding hit and run accidents in the future can save you money.
Ultimately, no one has control over who causes an accident or their actions afterwards, so it’s important to take control of your own safety on the roads as best as possible. Overall, stay informed about the protection provided by your insurance policy and don’t forget to always drive with caution—you never know when a hit and run accident could occur.
If you want to discuss options for car insurance, please call us at 561-732-9305. Our quoting hours are Monday through Friday from 8:30 AM to 5:00 PM. In addition, you can request a quote online. Please remember, We Handle All the Work, While You Save!
Robert Macoviak is the President of Oyer, Macoviak and Associates. Oyer, Macoviak and Associates is the oldest independent insurance agency in Boynton Beach and has been in business since 1953. Oyer, Macoviak and Associates are vested members of the community who are committed to doing business face-to-face and being your insurance advocate in times of need.
