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How to Handle an Accident with a Hit-and-Run with Your Insured Car

Being involved in a hit-and-run accident can be a disorienting and stressful experience. The sudden shock of someone fleeing the scene can leave you feeling helpless. However, if you’re driving an insured vehicle, there are specific steps you can take to navigate the situation effectively. In this blog post, we’ll guide you through the process of handling a hit-and-run accident with your vehicle insurance.

Put safety first and collect data.

The immediate aftermath of a hit-and-run accident can be chaotic, but your priority should always be safety. Ensure that you and your passengers are safe, and if anyone is injured, seek medical attention promptly. If possible, move your vehicle to a safe location to avoid further accidents or disruptions to traffic.


Once you’ve addressed safety concerns, gather as much information as you can about the incident. Take note of the time, location, and any details about the other vehicle involved, such as the make, model, color, and license plate number. Collect their contact information if there are any witnesses, as their accounts may prove valuable during the claims process.

Speak with your insurance provider and the police

Even in a hit-and-run scenario, it’s crucial to involve law enforcement. Contact the local police and provide them with the details of the incident. A police report can serve as a critical piece of documentation when filing a claim with your insurance provider. Be sure to obtain a copy of the police report for your records.


Once you’ve reported the incident to the police, contact your insurance provider as soon as possible. Prompt notification allows them to guide you through the claims process efficiently. Provide them with all the information you gathered, including the police report, witness statements, and details about your insured vehicle. Remember that insurance companies may have specific requirements for hit-and-run claims, so be prepared to follow their instructions closely.

Recognize the Coverage of Your Insurance

The coverage you have on your insurance policy will play a significant role in how the hit-and-run accident is handled. Typically, uninsured motorist coverage can come into play in hit-and-run scenarios. This coverage is designed to protect you when the at-fault party is unidentified or lacks insurance.


Check your insurance policy to verify uninsured motorist coverage and understand its limits. This coverage can help cover the costs of vehicle repairs, medical expenses, and other damages resulting from the hit-and-run. Additionally, if you have collision coverage, it can come into play to cover damages to your insured vehicle, even if the at-fault party is unknown.


Discuss the specifics of your coverage with your insurance provider to ensure you have a clear understanding of how your policy applies in a hit-and-run situation. They can guide you through the documentation needed to process your claim and help you navigate the claim process more smoothly.

Participate in the Investigation and Recommendations

Law enforcement will typically investigate the hit-and-run accident to identify and apprehend the responsible party. Cooperate fully with the investigation, providing any additional information or evidence you may have. Your assistance can contribute to the successful resolution of the case.


Stay in regular contact with your insurance provider throughout the claims process. They will keep you informed about the progress of the investigation and guide you on any additional steps you need to take. If the at-fault party is identified, their insurance may become involved in covering your damages. If not, your uninsured motorist coverage will likely be the primary source of financial assistance.


Experiencing a hit-and-run accident with your insured vehicle can be a challenging situation, but taking the right steps can ease the process of recovery. Prioritize safety, gather information, involve law enforcement, and promptly contact your insurance provider to initiate the claims process. Understanding your insurance coverage, especially uninsured motorist coverage, is essential in these situations.


While the immediate aftermath can be stressful, cooperating with the investigation and staying in contact with your insurance company will help bring the resolution you need. Remember, you are not alone in navigating the complexities of a hit-and-run accident with your insured vehicle – your insurance provider is there to guide you through the process and provide the support you need during a challenging time.

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