How To Handle A Hit And Run Case

July 12, 2017 · Posted in General Articles on Car Insurance 
by Graham McKenzie

You may be following the entire right rule while driving, being safe and protective as well as following all of the laws. The scariest part about driving for most people is not getting behind the wheel themselves but the fear of whom else is behind the wheel on the road. Not all follows the rules and that is how accidents happen.

You would anticipate everyone to observe one legal code that is to possess insurance. It is against the law to drive on the road without insurance and therefore, you would expect everyone who is driving, to have it.

After an accident, both people involved are expected to stay on the scene while the police respond to the accident. Both people are also expected to act very humanely and exchange insurance numbers so that the insurance companies can work it out. If the person that you get into an accident with does not have insurance or does not want to see the police, they may drive off in order to try to evade the police.

At the scene of an accident, the major rule is to remain calm. Do not start pointing fingers and trying to blame each other. Make sure that everyone keeps a cool head and this will go over much more smoothly. After that, make sure to document the license plate number. You do not want the person to run off never to be seen again.

If you want to file a claim with your insurance company, you have to make sure that the police take down both of your insurance numbers. If the person that was in an accident with you does not have insurance, and you have underinsured or uninsured vehicle coverage, your insurance company will pick up the cost of the accident up to the top limit of your policy.

In an incidental accident like this, you will be responsible for the deductible. The accident is not your fault, but the insurance company requires that the deductable be paid out while the company takes up the rest of the cost. This is better than being stuck with the full bill, which could cost upwards of thousands of dollars. In a hit and run accident, the person sometimes is not caught because they drive away as fast as possible. The police will look for the criminal, and if they find them the insurance will be able to cover it. If they cannot find the person who caused the accident, then you will be forced to pay out of your pocket for the accident. This is why it is important that the person who caused it is found and taken to court for repayment. If you can take care of certain basic assumptions, then you will be able to get the most out of your insurance possible. This is the most important thing that you can do; do not pay too much for the accident.

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