Hit-and-run car accidents happen every day in Massachusetts. According to the AAA Foundation for Traffic Safety, approximately 11% of all reported accidents involve at least one driver who flees the scene. Therefore, it is important you know how to handle the situation if you are ever the unfortunate victim of a hit-and-run accident.
Gather as much information as you can at the scene. Never try to chase down the other driver. However, if you are able to, write down the other vehicle’s license plate number and anything you remember about the car. Additionally, speak to any witnesses around at the time of the accident.
Call the authorities quickly to increase the likelihood of catching the culprit. Drivers who commit hit-and-run accidents are violating state laws throughout the country.
File a police report. The police need to have all of the information about the accident on record. This report also will help in getting your insurance claim filed.
Contact your insurance agent. Your uninsured motorist coverage comes in handy when dealing with a hit-and-run accident. However, it is important to keep in mind that this car insurance policy option only covers you up to the limits of your policy.
Document all injuries from the accident. Keeping a thorough record of all doctors’ reports and initial emergency responder reports is important when it comes to getting your insurance claims processed.
If police are able to find the hit-and-run driver, ask your insurance agent for advice on filing a subrogation claim against the hit-and-run drivers insurance policy.
While dealing with a hit-and-run accident is stressful, remember that you are not alone. Your insurance agent cares about keeping you safe and protected on and off the road.