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Do not panic! This is how you can handle a hit and run

Car accidents are traumatic enough. Now add a hit and run into the mix, it will leave you completely distraught. Even if the experience is overwhelming, how you handle a hit and run is critical to your physical and financial recovery. Before you panic at the scene of an accident after being the victim of a hit and run, here are some tips to help you better navigate.

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When a driver who caused the accident flees the scene of an accident, it is considered a hit and run. Leaving the scene of an accident can result in criminal charges, fines, suspension of your driver’s license, or even jail time, depending on your state of residence. Despite the serious consequences, there are a variety of reasons why a driver may decide to flee:

  • They do not have insurance for their vehicles.
  • They are the outlaws.
  • Are under the influence of drugs or alcohol.
  • It was a rental car and the driver is not the owner.

How to handle a hit and run?

Come to your senses and stay still

Anger, fear, and anxiety will set in after witnessing a collision. But staying in that state can cause things to spiral out of control in a heartbeat. It’s about how you handle a hit and run.

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Take a few deep breaths and come to your senses first. So think and act with a clear mind. Never try to flee the scene of the accident or locate the guilty party.

Standing still can save you time and money by allowing you to collect evidence without risking your own arrest. Check to see if you or any of your passengers require medical attention after your car is safely off the road. Call to 911 immediately if you need help.

Get the details

Make an effort to remember as many details as possible, such as the make and model of the vehicle and its license plate number. Any information you can provide to law enforcement or your insurance company may be helpful in determining who was responsible for the collision.

gather witnesses

Any type of accident usually attracts the attention of the public. After reaching a safe location, check to see if anyone else witnessed the incident. If you can, get their names and phone numbers. The police will understand better if you have this information.

Call the local police

Report to the police. And wait for them to arrive at the place. Depending on the state, you may need to call the police after a car accident. To help with the investigation, authorities will keep a record of the incident.

gather evidence

While you’re figuring out the details, photos of the damage can serve as visual evidence. Photograph the vehicle from a variety of angles, including close-ups of dents or scratches. Also take pictures of paint splatters left by the other vehicle.

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seek medical attention

If you are at the scene of the accident, chances are you have an injury. You may still need medical attention, even if you don’t notice any injuries at first. A medical professional will examine the injury.

Talk to your insurance provider

The next thing to do after a car accident is to call your insurance agent. Discuss and find out what your next steps should be. Their job is to show you the nitty-gritty of the claim process.

Does insurance cover a hit and run?

In the event of a hit and run, some of the costs may be covered by your auto insurance policy. It is important to note that insurance policies vary from state to state. Plus, your deductible applies.

Collision insurance coverage

Collision insurance covers the cost to repair or replace your car in the event of damage. Consequently, even if the other driver is never located, you may be able to file an insurance claim if you have been the victim of a hit and run accident. In most cases, you will have to pay a deductible, which is a fixed amount that is included in your insurance policy. The other drivers insurance company may reimburse your deductible if they are found.

Uninsured and Underinsured Motorist Coverage

If the driver who caused the accident is uninsured or the identity of the driver is unknown, uninsured motorist coverage can help cover your medical bills, lost wages, and damage to your vehicle (according to the laws of your state). In some states, this coverage is not available at all. According to the Insurance Information Institute, hit-and-run accidents are not always covered in states where coverage is available.

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What to do if someone says you hit their car?

Request for the report and police control

Contact the traffic division of your local police department if you don’t have a copy of your accident report. Agents taking over the incident should be included in the report. After gathering all the facts, interviewing drivers and witnesses, and inspecting the scene, this report is prepared. This report is crucial when handling a hit and run. Use this report to cross check and report if you are not at fault.

Check state traffic laws

You can also use state traffic laws to help you determine who is at fault. You can search for relevant sections of the vehicle code in the index. Copy the statute number and the exact wording of the rule that applies to your accident. When negotiating a claim with your insurance company, you can refer to this ruling.

gather evidence

See if there are security cameras in the area where the accident occurred. Find out if there were any witnesses or dashcam footage from that time period. Ask around. The claim of the other drivers can be refuted if only one person can corroborate their version of events.

What to do when a car is hit from behind?

Regardless of why you slowed down, the driver behind you is almost always to blame if you are hit from behind. Rear seat passengers should be able to stop safely even when you come to a complete stop in the middle of a freeway. If the other driver did not leave enough space, then that driver is being negligent in this situation.

Let’s say someone claims you rear-ended them at an intersection. Instead of swerving to avoid him, the other driver was texting and crashed into the rear of his vehicle. In this case, the insurance company must side with him and blame the driver in the rear of the vehicle. This is a rear end collision. It is always recommended to handle a hit and run by gathering relevant evidence.

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