Answers To A Few Common Questions About Hit-And-Run Accidents

If you have ever been involved in a car accident, then you know just how stressful this can be. After all, you need to deal with vehicle damage as well as any and all injuries that take place. If the accident was a hit-and-run, then you may be at a loss as to what you should do, and the stress can be quite substantial. Keep reading to find out about the answers to some common questions if the other driver is the one who fled.

What Happens If The Driver Is Not Found? 

In the case where the driver is not located, you will need to pursue the costs of the accident with your own insurance company. Your insurance policy will cover the damages under your collision policy. And although you were not at fault, your insurance coverage will be similar to a situation where you were. Specifically, you will need to pay the collision deductible before your insurance coverage kicks in. The good news is that your insurance is unlikely to go up since you were not to blame. 

Once the insurance company pays for the damages, they will look to recoup the costs. They will often work with the police and inquire about whether or not the suspect has been located. The person often will not be found, unfortunately, but if they are, the other driver's insurance company will be on the hook for your deductible, so you will get this money back. 

Keep in mind that a detailed report of the incident is essential in locating the driver, so write down everything you remember and also look for witnesses who can fill in details you are unsure of. Asking about video recordings from nearby restaurants and shops with security systems can be helpful too.

What If The Driver Is Prosecuted?

If the driver is found and charged with the crime of hit-and-run, then you can use the evidence presented in the court case to file your own civil case. If the individual is found guilty of the crime, then this can make it easier for you to get money from the driver's insurance company. 

The good news is that a civil case has a much smaller burden of proof that needs to be met to win your case, so even if the driver is not found guilty in a criminal court, then you may win a civil case. 

If you want to know more about hit-and-run accidents and what will happen in terms of insurance payments, then speak with an auto accident attorney.