What Insurance Policies Cover Hit-And-Run Accidents?
What Insurance Policies Cover Hit-And-Run Accidents?
If you are ever in a hit-and-run accident, there are several insurance policies that will help to cover your losses. These include liability coverage, collision coverage, and uninsured motorist (UM) or underinsured motorist (UIM) coverage.
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Liability coverage: This type of car insurance pays for medical expenses and repairs to your vehicle if another driver causes an accident. It also covers your legal costs if you have to file a lawsuit against the other driver.
Collision coverage: This part of your insurance policy helps to cover the costs of fixing or replacing your car, even if the driver who caused the accident doesn’t leave any contact information for you. It can be a great way to get your finances back on track in case you have to make a claim after a hit-and-run.
Personal injury protection: This part of your insurance policy can help you pay for medical expenses if the other driver wasn’t insured. In addition, it can pay for any lost wages you have suffered because of your injuries.
MedPay: This part of your insurance policy will help to cover any medical bills you may have in the aftermath of a hit-and-run accident if you can’t work because of your injuries. In some states, it is required by law for drivers to have this coverage.
No-fault insurance: This type of insurance is mandatory in New York and provides coverage to people injured in a car accident regardless of who was at fault. It can also provide compensation for lost wages if you are unable to return to your job or if you suffer severe injuries that require you to take time off.
If you are in a hit-and-run accident, it’s important to remember that it is your responsibility to report the incident to authorities as soon as possible. In addition, it is important to make sure you have the following information:
License plate number and appearance of the driver that hit you. Taking notes about the scene of the accident is also helpful and can help you later on in a legal action against the other driver.
The police will need to see all the available evidence, including medical records, damage assessments and surveillance footage if you can find it. If you are able to do so, it can greatly increase your chances of getting the compensation you deserve.
In the event that you have been in a hit-and-run accident and can’t identify the at-fault driver, it is important to consult an attorney as soon as possible. An experienced lawyer will have access to investigators, medical experts and other professionals who can help you receive the compensation you need for your damages.
Unfortunately, hit-and-run accidents are a common problem in New York and across the country. These types of crashes can cause serious and life-changing injuries. The good news is that there are many different kinds of insurance policies to help you recover from these accidents and receive the compensation you need to get your life back on track.