Hit-and-run accidents typically contain unique elements which need to be handled carefully. The main challenge in most cases is finding the driver at-fault. In our experience, these drivers often leave the scene because they were drunk drivers, had an invalid license, were illegally in the country, or had a warrant for their arrest. Sometimes, with careful investigation as well as the help of witnesses, security video tapes, and 911 transcripts we can find the negligent driver. Often, these cases may be brought under your own uninsured motorist coverage.
Most Insurance Policies Require that You Report an Accident to The Police Within 24 Hours
Miss-and-run accidents are similar, except that the at-fault vehicle does not actually make contact with your vehicle. Often, the miss-and-run driver is not even aware that he or she did anything wrong. A classic example is the driver who abruptly changes lanes without signaling, causing a car to swerve to avoid the collision but ultimately collide with something else.
If there is an accident alert, go to the nearest police department and fill out a "counter report." If the at-fault driver in your case cannot be found, or if the driver does not have enough insurance to cover your full damages, it may become necessary to file a claim against your own insurance company.