Steps That Allow For Insurance Coverage of A Hit-And-Run Accident
A motorist or pedestrian that has been hit by a hit-and-run driver may or may not have his or her injuries covered. The existence and amount of such coverage depends on the extent to which the driver and pedestrian have undertaken specific steps.
What is the level of coverage if you hit someone?
If that were to happen, then those in the hit vehicle would be covered, up to the limit that has been stated on your policy. That expected coverage gets promised, on the assumption that the policy holder will remain at the scene of the accident. If the responsible motorist turned out to be a hit-and-run driver, those in the impacted vehicle may not be covered.
The driver of that impacted vehicle should make a point of noting the description of the car that caused the accident. Ideally, the driver notes the numbers and letters on the car’s license plate. In that way, the police can be provided with useful information, and thus have a greater chance for locating the run-away driver.
What if someone hits you and then leaves the scene of the accident?
Assuming that you had purchased collision coverage, your insurance would cover the damages, up to the limit of the collision coverage. If you had purchased uninsured motorist coverage, then any injuries would be covered, as well as any loss of income.
If you had not purchased uninsured motorist coverage, then you must take certain other necessary steps. You must try to recall the description of the vehicle that hit you. Ideally, you managed to catch the number on the vehicle’s license plate. That information should help your Car Accident Lawyer in Richmond and the police to find the responsible driver.
What if you were a pedestrian that had been hit by a hit-and-run driver?
In that case, you would have one step that needs to be done immediately, and one that you must work on later. You will need to file a police report within 24 hours of the unfortunate incident.
The next step is really a process. It involves all the steps that must be carried out, as you help the police to find the hit-and-run driver. Ideally, your police report has included descriptive information on the vehicle that hit you. Perhaps you also noted the vehicle’s license number.
Your goal should be determining where the driver lives, so that he or she might be contacted. In this case, you would have the right to look for a vehicle that resembles the one that you remember. Then you need to get the name of the person that lives in the nearby residence. Once you have obtained an address that might be the driver’s, share it with the police.