Whether you are struck while driving or someone hit and runs while your car is parked, having your vehicle damaged can be a stressful time. It is always best to have a plan and know what steps to take in case you or your vehicle are involved in an accident.
Make Sure Everyone is Safe
The first and most important step is to make sure everyone involved is save. This includes anyone in your vehicle at the time as well as the colliding vehicle. If anyone is injured, first aid and medical attention must be sought immediately as applicable. Make sure everyone is pulled away from the accident site, as damaged vehicles can sometimes catch fire.
Call the Police
Police should be involved in practically any accident, especially involving other people. This is for a variety of reasons such as needing emergency medical services and deciding fault. In the case of a hit and run, you may not know who hit your car. Filing a police report can open an investigation and help you find the person who struck your vehicle and hopefully help you receive the compensation you are entitled to.
Call Your Insurance Agent
Your insurance provider should always know if you are involved in an accident even when that accident is not your fault. This is because they can be prepared if you need to file a claim. If you hide an accident from your insurer, they can find out through the DMV. Hiding an accident is known as soft fraud and can lead to a cancelled policy. Waiting too long can also affect whether or not you can file a claim and receive compensation.
Have the Repairs Evaluated
You should have the damage to your vehicle evaluated by an expert to help calculate how much it would cost to make the repairs. This can help you determine whether you want to file a claim or not if the other driver doesn’t have insurance.
In general, another driver’s liability insurance should cover the damages to your vehicle. In the case of a hit and run or an uninsured driver, however, you may have to file a claim with your own insurance provider in order to receive compensation.
Make sure to document the details of the accident and communicate honestly with police and your insurance agent to make the process go smoother and quicker.
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