HIT AND RUNS
What if I was in an accident and the other driver left the scene and cannot be located?
If you have uninsured motorist protection, you may still be able to make a claim and receive a settlement.
What is uninsured motorist protection?
Most people’s auto insurance policy provides coverage for accidents with uninsured/under insured motorists. This coverage also applies to accidents in which the other driver left the scene and cannot be located.
Ordinarily, if you are in accident that is the other driver’s fault, you make a claim with that person’s insurance company and, if necessary, you can sue the other driver. But, if you don’t know who the other driver is, then the driver may be considered an uninsured driver and you may be able to make a claim with your insurance company. If you have uninsured motorist coverage, your insurance company may be obligated to pay for your property damage, medical bills, lost time from work or school, and pain and suffering. If a settlement is not reached, then instead of suing the other driver, you sue your insurance company. The insurance companies often refer to these types of cases as “UM claims."
***SEE ALSO: “ What if you are in an accident with an uninsured or under-insured driver?"