The Role of Car Insurance in Hit-and-Run Cases: What Happens Behind the Scenes
Hit-and-run accidents are a nightmare for every driver. One moment, you’re going about your day, and the next, another vehicle damages your car and speeds away without stopping. If you find yourself in this situation, you may wonder what happens next. At Crown Reinas Insurance Agency, serving the entire state of California, we understand how stressful these incidents can be, and we’re here to help you navigate the process.
Steps to Take After a Hit-and-Run
The first step after any accident is to check for injuries and call 911 if necessary. If the other driver flees the scene, try to gather as much information as possible. Details like the vehicle’s color, make, and model—or even a partial license plate number—can be helpful when filing a police report. Once safe, contact your insurance company to begin the claims process.
How Insurance Handles Hit-and-Runs
In most hit-and-run cases, uninsured motorist coverage is crucial. If you have uninsured motorist property damage (UMPD) or uninsured motorist bodily injury (UMBI) coverage, your insurance may cover the damages and medical expenses, even if the at-fault driver isn’t found. Collision coverage can also help pay for vehicle repairs, which typically involves paying your deductible.
The Claims Process Behind the Scenes
Once you file a claim, your insurer will investigate the incident, review any available evidence, and determine coverage based on your policy. If law enforcement identifies the at-fault driver, their insurance may be responsible for your damages.
At Crown Reinas Insurance Agency, proudly providing auto insurance to residents throughout the state of California, we’re committed to helping drivers stay protected, even in challenging situations. Contact us today to ensure you have the right coverage in place.
