A hit and run accident occurs when an individual causes or contributes to an accident, and fails to stop and identify himself/herself. The individual flees the scene to avoid penalties or a prosecution. Being the victim of a hit and run accident can be physically and emotionally debilitating. It can leave you with injuries, vehicle damages, or both. It can also leave you wondering who will pay for the damages. In most cases, the negligent driver is liable for any injuries and damages. However, if the hit and run driver cannot be found, your own car insurance policy may be the only source of compensation. It can be covered through the following coverage:
Uninsured Motorist Coverage
In most states, drivers are required to carry at least a minimal amount of uninsured motorist coverage. However, one can also purchase additional coverage, up to the limits of the coverage. This coverage covers you when you are injured by an insured driver. In the event of a hit and run accident, it can be the primary source of coverage. If you file a claim under this coverage, the insurance company will handle it just as a normal liability claim. You need to prove the following:
- The other parties’ liability.
- The extent of your contribution to the accident.
- The extent of your injuries.
Personal Injury Protection (PIP) Coverage
Personal Injury Protection (PIP) coverage is typically available in no-fault states. It is also available in some states as an additional coverage. The coverage pays for medical expenses, lost wages or funeral expenses, regardless of who was at fault in the car accident. Victims of a hit and run accident can also file a claim under the PIP coverage. However, this coverage does not cover pain and suffering damages or vehicle damages.
Collision coverage allows you to make a claim for vehicle repairs, regardless of who was at fault for the accident. Hit and run victims can also file a claim for vehicle damages against their own policy under collision coverage.
Injured In A Hit And Run Accident? Contact The Reinken Law Firm
If you or a loved one has been injured in a hit and run accident, The Reinken Law Firm can protect your legal rights. Your case will receive full attention and we will not charge until you get justice. To schedule a free consultation, call us at 203.541.0090 / 203.491.4404 or fax at 203-325-8807.