To make an auto insurance claim after a hit and run

I don’t know how many people have ever been hit and run but regardless of how many times it happens the victims all feel let down, disappointed and upset.

Like everyone else I don’t blame them (the victims) for their foul mood not only has their property been damaged but they have been betrayed by the 3rd party that hit them as no note or effort to contact them has been attempted.

To make a claim on your auto insurance after a hit and run you must report the incident to the police and a report must be completed by the accident reporting station where applicable.  To add insult to injury if the culprit not caught or reported you will have pay a deductible.

As for the 3rd party (yes this is the family rated version the article) that hits you they are taking an awful chance!  If they are caught or reported they can be charged with leaving the scene and or failure to report an accident.  Aside from fine the person will face a drastic increase in insurance premium for at least three years perhaps their policy will have to be remarketed to a high risk company depending on the charge.  The bottom line is it was likely cheaper to leave a note or wait for the person and tell them what you did.

In an age of cell phones with cameras, surveillance in parking lots and everywhere else you have to ask your self why would you run?  This of course is little solstice to those who end up footing the bill for their repairs and or the deductible and the offenders are not caught.  However more and more when I and my colleagues take the reports we are hearing things like “I have a witness or I have the plate number of the vehicle that hit me”.   To paraphrase  Dirty Harry “are you feeling lucky?” and we all know what happened to that guy!

Confused? Give us a call we may or may not be able to help put we can lend a sympathetic ear.