Can I Recover Compensation After a Hit-and-Run Collision?
When two drivers get into an accident, they typically exchange insurance information so the at-fault party can pay for the damages with the help of his or her liability insurance provider.
But what happens when the at-fault party is a hit-and-run driver who leaves the scene before you can get their name?
First of all, leaving the scene of an accident is a crime, so report the incident to the police immediately.
Even if the identity of the hit-and-run driver is not learned, there is still a good chance that you can recover for his or her negligence. That is one purpose of uninsured/underinsured motorist insurance coverage and your personal-injury-protection (PIP) medpay coverage on your own policy.
These types of coverage are often optional. In Arkansas, you can waive the purchase of this important insurance coverage but it must be done by signing in writing. State laws vary on exactly what is included in that coverage. And, your own insurance company has the prerogative to deny your claim by asserting that the hit-and-run driver was not liable to you. This can be done in a variety of ways, including: i) alleging that the collision was partly your fault and ii) alleging that the vehicle that caused the collision never made actual contact with your vehicle.
This is why it’s extremely important to have a detailed police report if you’ve been involved in a hit and run accident and to hire an experienced personal injury attorney to deal with the insurance company. Stay at the scene and call the police to make an on-site report of the collision facts. Call Rainwater Holt & Sexton for help.
While you may be covered by your own insurance policy, there is no such thing as a guarantee when it comes to settlement terms. If you’ve been injured, Rainwater Holt & Sexton will help you navigate through the insurance claim process, making sure that you receive the compensation you deserve.