I panicked and left the scene of the accident w property damage to my car and the other person’s car. Police officer got to my house immediately and I admitted my fault. The officer gave me a careless driving ticket and leaving the scene of the accident ticket. I need to file a claim with my insurance to fix both cars. Do I have to tell them it was a hit and run and the infraction? I’m planning to fight the charges but I’m afraid what the insurance company will do. Would they cover for the damages? Would they drop me from coverage?
You have a contractual duty to notify your insurance carrier as soon as possible after a crash. You have a contractual duty to be completely honest with your insurance carrier because they have a duty to defend you during this situation. Not the criminal case, but the civil case that will be coming. You are contractually required to assist your carrier in your defense by any way listed in your policy, So, if you do not do these things, they can deny coverage and leave you high and dry. Good luck.
You are still panicking. It is time to be an adult and deal with this. You have a duty of cooperation with your insurer. They can deny coverage if you fail to tell them everything. Chances are they already know or will soon know about the hit and run so you are better off telling them. At the end of the day, it doesn't matter. You caused the accident and your liability coverage is triggered by that act alone. If you have collision coverage, it will cover the damage to your car.
Whether your insurer will drop your coverage will depend on a number of factors. However, that is not a reason to be untruthful to them. If you are dropped from coverage, you can easily get coverage from a high risk carrier.
I’m a lawyer, I’m not your lawyer. This answer posted on Avvo is for informational and educational purposes only. There is no attorney-client relationship created or formed and you should not rely on this as legal advice. The suggestion is made that if you wish to protect your rights, you consult with an attorney immediately.,
Not sure what the law is in Florida, but you may be opening yourself up to Insurance Fraud charges is you do not report this accurately to them. You certainly would in NY, where I practice.
If you have collision insurance (full coverage) for the damage to your vehicle, it doesn't matter that you left the scene, especially since you followed up with the police and admitted it. They could drop you from coverage, but they could do that anyway if you have many accidents or a bad driving record.
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