Car wrecks are already horrible situations, but when the driver of the other vehicle takes off before the police arrive, the situation can seem daunting. David Greene from Greene & Phillips joined Studio10 to help walk us through what to do when you’re involved in a wreck with someone who left the scene.
What should a car wreck victim do if the other driver has left?
Hit and runs can be difficult case. It is still very important to get a police report. You still need to get medical treatment at an Urgent Care. You should talk to a lawyer as soon as you can after the accident. They can help you find out if your insurance covers hit and runs through what is called “uninsured motorist coverage.”
What is uninsured motorist coverage and how does one get it?
Uninsured motorist is a very cheap addition to your insurance policy that covers your property damage and medical costs if you are involved in an accident with someone who doesn’t have insurance, or doesn’t have enough insurance to cover your costs. It’s important to look at your insurance policy and make sure you have UM/UIM or call your agent and make sure it’s included.
Do all insurance policies have uninsured motorist coverage that cover hit and runs?
Some insurance companies do not cover hit and runs, so it’s important to read your policy carefully and you may need to call your insurance agent and ask them specifically if your insurance covers hit and runs and phantom vehicle accidents.
Say another vehicle caused the wreck but didn’t actually collide with your vehicle, is there a possible case in that situation?
Like a hit and run accident, a phantom vehicle accident is a wreck that is caused by a vehicle that may not necessarily hit you, but causes the accident anyway. If a car pulls out in front of you and you swerve to miss it, you may miss the other car and it may drive away, but you could end up with serious injuries and significant damage to your car. In these cases, with the right insurance you can still receive money to cover your injury costs, car repair, lost wages, and more.
How are phantom vehicle and hit and run cases different from other types of injury cases?
Because the driver of the other vehicle is unknown, it’s very important to have all your details correct. Talking to your own insurance company could end up really hurting your case. It’s very important to bet a personal injury lawyer who knows how to handle this type of case, and make sure you talk to them before you talk to your insurance company.
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