Try to see if anyone saw the accident, and get their contact information. When you report this to your insurance company, you will need to show that the crash wasn't your fault, and witnesses will help.
Tell everyone you talk to, from medical professionals to police, about the phantom vehicle. If this information is in their initial reports, it will help support your claim.
Report the Phantom Vehicle to Your Insurance the Same Day
If your accident is determined to be your fault, it can be pay to get compensation and medical bills paid. But if you can show that the accident was caused by someone else's recklessness or negligence, your own UM/UIM coverage will kick in to help pay bills. UM = uninsured motorist coverage. UIM = underinsured motorist coverage. Hit and runs and phantom vehicle accidents are considered to be the work of uninsured motorists, so this coverage will apply.
Report the Crash to the Police and DMV Within 24 Hours
Oregon law says phantom vehicle crashes must be reported with 24 hours for UM/UIM coverage to apply. This is the step that most often jeopardizes the case for many people. So if police do not come to the scene of your crash, call the police and report the accident ASAP! Get a copy of the police report for your insurance as well.
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