What do you do if you get hit by a driver who flees the scene of an accident? While many people think they would know what to do, in the moment of an accident, it may be hard to think clearly. American Tri-Star is the expert in automobile insurance in San Diego, CA and offers the first two steps that drivers should follow should they be the victim of a hit and run accident.
1. Make a police report
Be sure to provide as much identifying information about the vehicle as you can, noting the make and model, and details like body style, color, number of doors and any unique characteristics like spoilers or detailing. If you were able to catch a glimpse of the driver, provide this description to police too. And of course, provide the license plate number if you were able to write it down.
2. Contact your insurance agency
After filing a report with the police, contact your San Diego insurance agency to find out what type of coverage you have and open a claim. Depending on the type of coverage you carry, your own insurance agency may be able to help pay any medical bills if you suffered an injury, and uninsured or underinsured motorist coverage (often referred to as UM or UIM coverage) could help pay your property and other damages.
If you don’t have UM or UIM coverage, your only option may be to hope the police find the perpetrator so you can pursue a claim against the driver or vehicle owner’s insurance agency. Of course, irresponsible drivers who flee the scene of an accident are just the types of irresponsible drivers who often fail to carry the appropriate liability insurance coverage. This is why periodic review of your insurance coverage is so important.
Make sure you have the coverage you need in case of other people’s negligence. You may be a responsible driver, but others on the road may not be.
If you are interested in changing your current insurance or are in need of affordable UM or UIM coverage, contact American Tri-Star Insurance at 619-272-2100 today. Not only will UM help you cover future losses, the peace of mind this type of auto insurance coverage can bring is invaluable.