If you’ve been involved in a hit and run accident, you may feel helpless and hopeless.
With over 600,000 hit and run accidents happening each year, you are not alone. When someone hits you and leaves the accident, they are in much more trouble than someone that hit you and stayed to face the consequences.
Continue reading this article to find out who is liable and other facts you need to know.
Must-Know Facts About a Hit and Run Accident
If you’ve been involved in a hit and run accident, you want to know who is liable. Who is going to take care of the damages including your doctor bills?
You were minding your own business as you were driving home from a long day at work. There aren’t many people around so you feel safe to relax as you’re making it the last few miles to your home.
You’re making a left turn and out of nowhere, a car strikes you as they go through a red light. You’re upset that you’ve been struck but then you see the car leaving the scene of the accident.
You’ve been involved in a hit and run!
Check State Laws
There are different laws in each state so you’re going to need to check the laws in your state.
If you’re in a state with no-fault car insurance then your car insurance will take care of everything because you pay for PIP or personal injury protection within your policy.
Check Your Insurance Policy
If you don’t live in a no-fault state then you need to look at your car insurance coverage.
Look at the limits of each part of your coverage. The medical coverage you pay for may not be enough to cover your injuries and expenses so make sure you look at what you’re paying for.
You may want to look into how much medical costs are and then see how high you need to raise your limits on your insurance coverage. You can make the changes yourself in some cases but other times the insurance company sets the limits themselves.
Your collision insurance will pay for any damages from the other driver but you will have to pay any deductible that is on your account. You will have set up and agreed upon the deductible amount on your insurance at the time you signed off on the policy.
When you’ve been struck by a runaway driver, you are likely to need to use your uninsured motorist coverage. The claim is submitted against your own insurance company vs. against the other driver since they aren’t able to be charged for hitting you.
Learn More About Legal Matters
Now that you understand how compensation with a hit and run accident works, why not learn more about other legal issues? Bookmark your favorite section of our blog for more great reads today.