If you are involved in a hit and run accident, where the at-fault driver drives off before the police come to make a report, you still may have legal recourse. Hit and runs can be difficult situations, but if you are ever a victim of a hit and run, it’s still very important to get a police report. Once you have that report, you should talk to a lawyer as soon as you can after the accident. They can help you find out if your insurance covers hit and runs through what is called “uninsured motorist coverage.”
Uninsured motorist is a very inexpensive addition to your insurance policy that covers your property damage and medical costs if you are involved in an accident with someone who doesn’t have insurance, or someone who simply doesn’t have enough insurance to cover your costs. It’s important to look at your insurance policy and make sure you have UM/UIM and have it at the highest limits. Call your agent and make sure it’s included, or you can stop by our office with your policy and we’ll be happy to look over it with you. Ask them specifically if your policy covers hit and runs, and phantom vehicle accidents.
A phantom vehicle accident is a wreck that is caused by a vehicle that may not necessarily hit you, but is the primary cause of the accident. For instance, if a car pulls out in front of you and you swerve to miss it, you may miss the other car and it may drive away, but you may hit another car and experience serious injuries and have significant damage to your car. In these cases and with the right insurance, you can still receive money to cover the cost of your injuries, car repair, lost wages, and more.
After you’ve been involved in a hit and run or phantom vehicle accident it’s very important to have all your details correct. Talking to your own insurance company could end up hurting your case. It is in your best interest to speak with a personal injury lawyer who knows how to handle this type of case before you talk any insurance company. If you’ve been injured as a result of a hit and run accident or if you have any further questions, come by our office anytime or call us at 300-2000.