People are victims of hit-and-run accidents every day. You could be in a car or SUV, on a motorcycle or bicycle, or you could even be a pedestrian. The hit-and-run driver has any number of reasons for leaving the scene. They might be drunk, driving on a revoked license, or have outstanding warrants. Sometimes they claim that they didn’t even know that they hit anything.
Whatever the circumstances of the hit-and-run, it’s more than likely that you’ll be injured. With all of the confusion and activity at the accident scene, try to focus on these factors.
It’s crucial that there be medical records memorializing the fact that you were hurt. Get immediate help if you know that you have sustained an injury. When paramedics arrive, have them examine and transport you to the nearest emergency room. They’ll document your complaints of pain along with any visible signs of injury. Emergency room personnel will do the same thing. Your injuries should be recorded from the beginning.
Somebody has to pay for all of this, so contact your insurer right away. That’s why you have insurance. Notify your auto insurance company as soon as practicable after the accident that you were involved in a hit-and-run. Notify your health insurer as well. Most drivers have uninsured motorist coverage (UIM). Your present situation is precisely why you have that coverage. UIM compensates you for your medical bills, lost earnings, pain and suffering and any permanent disability if you’re the victim of a hit-and-run driver who was at fault. Not only does it cover you, but it usually also covers family members who are members of your household. Coverage ordinarily applies to bicyclists and pedestrians too.
After you’re discharged from the emergency room or a hospital admission, follow-up with all medical recommendations on a timely basis. Doctors and therapists maintain medical records. Those medical records serve as documentation of the nature and extent of your injuries along with the medical necessity for care and appropriate treatment. Your insurer won’t believe that you have credible injuries arising from a hit-and-run without medical evidence of those injuries. Follow up on everything your doctors and therapists tell you to do until such time as you’re discharged from their care.
As per your vehicle, property damage is always a legitimate concern to drivers who’ve been involved in hit-and-runs. Check your policy to see if you have uninsured motorist property damage coverage (UMPD). This can be used in hit-and-runs. Assuming you have collision coverage, UMPD might also pay your deductible. Even without collision coverage, UMPD can cover the hit-and-run damage to your vehicle up to a specified policy limit.
There is hope of being made whole again should you or a member of your household be involved in a hit-and-run. Contact a personal injury attorney right away if you’re involved in a hit-and-run accident.