Getting into an accident can be overwhelming, especially when another driver intentionally leaves the scene without providing you with any contact details. This is considered to be a “hit and run”.
Whether you were in the vehicle when it was hit or if it occurred while your car was parked, there are some important steps that you need to take:
• Report the incident to the police within 24 hours. Depending on where you live and the extent of the damage, you may be advised to go to a collision reporting centre. Filing a police report is especially important from an insurance perspective in order for the accident to be considered a not-at-fault loss.
• If you happened to be in your car or nearby during the incident and anyone was injured, first call 911. Then, record as much information as you can – the colour of the vehicle, make/model and as much of the licence plate number as possible.
• If you’re able to do so safely, take photos of the scene where the hit and run took place, as well as any damage to your vehicle. If the other car’s paint is visible where the impact took place, take a photo of that as well.
• Were there any witnesses? Talk to as many as you can so you can add to your own information. Don’t forget to get their contact information in case the police or your insurer need to follow up.
• If the police tell you they feel that the damages are too minor to report, take down the officer’s name, badge number and phone number so your insurance company can get in touch again if needed.
• Call your CMR Broker and to report what happened. We are here to help guide you through the process.
Although your collision deductible needs to be paid to your insurer if the hit-and-run driver isn’t identified, the claim will still be deemed a not-at-fault loss so long as you file a police report after the accident. The good news is that not-at-fault losses won’t result in increased insurance rates.
Have questions or concerns? Don’t hesitate to contact your CMR Broker today or reach out to us at firstname.lastname@example.org.