What to do after a hit-and-run
- Call 911 and get medical care.
- Write down anything you remember: car color, make, partial plate, direction it went.
- Look for cameras nearby: businesses, doorbells, traffic cameras.
- Report it to the police quickly. Insurers often require a prompt report.
- Notify your own insurance company.
How you may still be compensated
- Uninsured motorist (UM) coverage on your own auto policy often covers hit-and-runs.
- Medical payments or PIP coverage may help with medical bills.
- If the driver is found later, a claim can be made against them directly.
Frequently asked questions
I was walking, not driving. Does my car insurance still help?
Often yes. Uninsured motorist coverage can apply even when you were a pedestrian or cyclist.
What if the police never find the driver?
You may still be able to recover through your own coverage. A case review can help you check.
Is there a deadline?
Yes, and insurers often require prompt reporting. Reach out as soon as you can.
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