Being the victim of a hit and run accident can leave you reeling. Not only is your vehicle damaged, but the at-fault driver fled the scene, complicating insurance claims.
Many victims let frustration over the situation discourage them from filing an insurance claim. But you absolutely should report a hit and run so your car can be fixed right away.
Follow these tips to file a successful hit and run insurance claim.
Gather Evidence From the Scene
If it’s safe, return to the accident scene ASAP and photograph everything. Damage to your vehicle and surroundings. The more pictures you take, the better. Look for any witness contact info or security cameras that may have captured the incident.
Visual evidence and statements will help substantiate your version of events when filing the claim.
Report the Hit and Run to the Police
File a police report right away with complete details about the location, damage incurred, and direction the fleeing driver fled. Ask about next steps in investigating. Police will start a search for suspects.
Having an official report referencing a hit and run strengthens the validity of your claim. And it can aid police in locating the at-fault driver later.
Contact Your Insurance Provider Quickly
Notify your insurer about the accident the same day it occurs, if possible. Provide all available details about the incident and damage to your vehicle. Ask what documents you need to file the claim.
Prompt reporting is key, even without all details. Your insurer can guide you through claim completion once notified.
Submit a Claim Form and Supporting Documents
Complete the claim form with date, location, damage details, and a full narrative of the hit and run circumstances. Provide the police report, photos or video evidence, and any repair estimates or invoices you obtained.
Giving a complete claim package to your adjuster means faster processing and settlement. Stick to just the facts in your claim form rather than speculating.
Cooperate With the Investigation
Expect your insurance company to investigate a hit and run thoroughly to vet circumstances and validate damages. Be upfront when answering questions and assist however you can.
Lack of cooperation could create delays or doubts, so work with adjusters and share everything you know about the accident.
Negotiate a Fair Settlement
Your insurer makes an initial claim settlement offer based on assessed damage costs. Carefully review the offer and negotiate more coverage if their valuation seems low based on your documentation.
Politely but firmly insist on fair compensation. Provide further evidence if needed to get a satisfactory payout.
Understand Any Limitations
Most standard policies cover hit and runs under the uninsured motorist portion of your policy. However, limitations exist for property damage payouts depending on your state laws and policy details.
Be aware of caps or exclusions that could restrict your claim. Thoroughly read your policy language.
Consider Filing With Your Own Insurer
In some cases, victims have better outcomes filing a claim under their own collision coverage versus the at-fault driver’s liability coverage. Your insurer advocates for you.
While you’ll have to pay your collision deductible upfront, your insurer then seeks reimbursement from the other company.
Conclusion
Filing an insurance claim for a hit and run takes some additional effort. But staying calm, providing documentation, and clearly communicating details will help resolve the claim properly. Don’t let a hit and run go unreported or paid for out of your own pocket.
