What Should I Do After a Hit and Run with Bodily Injuries?

Question from DD, What Should I Do After a Hit and Run with Bodily Injuries?

Answer from AI:

If you’ve been involved in a hit-and-run accident and have Uninsured/Underinsured Motorist (UIM) coverage, it’s important to understand your rights and the steps you can take to seek compensation for your injuries. Here’s a general guide to help you navigate this situation:

What is a Hit-and-Run Accident?

A hit-and-run accident occurs when a driver involved in a collision leaves the scene without providing their contact information or assisting the injured parties. This is illegal in all U.S. states and can result in criminal charges for the fleeing driver.

Understanding UIM Coverage

UIM coverage is a type of insurance that protects you if you’re injured in an accident caused by a driver who either doesn’t have insurance (uninsured) or doesn’t have enough insurance (underinsured). Since the hit-and-run driver fled the scene and their identity is unknown, your UIM coverage can help cover your medical expenses, lost wages, and pain and suffering.

Steps to Take After a Hit-and-Run Accident

1. Report the Accident to the Police: Filing a police report is crucial, as it provides official documentation of the incident. This report will be necessary when filing your UIM claim.

2. Seek Medical Attention: Even if your injuries seem minor, such as bruises, it’s important to get checked by a medical professional. Some injuries, like internal injuries or concussions, may not be immediately apparent. Keep detailed records of your medical treatment.

3. Notify Your Insurance Company: Contact your insurance provider to report the accident and initiate a UIM claim. Provide them with the police report, medical records, and any other relevant documentation.

4. Keep Detailed Records: Maintain a record of all communication with your insurance company, medical bills, and any lost wages due to the accident. These records will help support your claim.

What If You Don’t Have UIM Coverage?

If you don’t have UIM coverage, your options may be limited. You may need to rely on your own health insurance to cover medical expenses, and you may not be able to recover additional damages like pain and suffering or lost wages.

When to Consult a Lawyer

If your insurance company denies your UIM claim or offers a settlement that doesn’t cover your losses, it may be in your best interest to consult with a personal injury attorney. A lawyer can help you navigate the legal process, negotiate with the insurance company, and ensure that your rights are protected.

State-Specific Laws

Laws regarding hit-and-run accidents and UIM coverage vary by state. Some states require UIM coverage as part of your auto insurance policy, while others make it optional. It’s important to review your policy or consult with your insurance agent to understand your coverage.

Additional Resources

For more information on car accident claims and insurance coverage, you can visit the National Conference of State Legislatures or the Insurance Information Institute.

Conclusion

While this information provides a general overview of your options after a hit-and-run accident, it’s important to consult with a legal professional for personalized advice. A lawyer can help you understand your rights, ensure you receive fair compensation, and guide you through the complexities of the legal process.