How Is a Hit and Run Covered by Insurance?

Posted On November 28, 2022 Car Accidents
damage to a car after a hit and run

A hit-and-run claim is among the most difficult types of accident cases. Understandably, the victims of hit-and-run accidents often feel anger and frustration that the driver fled the scene. It can also be challenging to bring a claim for injuries and damages after a hit and run.

The Flood Law Firm can help you navigate the aftermath of a hit-and-run accident. We deal with the insurance companies on your behalf and explore all avenues for obtaining the compensation you deserve.

Please call The Flood Law Firm at (860) 346-2695 today for a FREE consultation. Our lawyers handle hit-and-run claims throughout Connecticut from offices in Middletown, Danbury, Waterbury, and Bridgeport.

Does Insurance Cover a Hit and Run?

When another driver is at fault for an accident, that driver’s liability insurance covers the damages for bodily injury sustained by those who were harmed in the crash. In the event of a hit and run, however, the driver is unknown. This deprives the victim(s) of the crash to fair compensation via the driver’s liability insurance.

Instead, you will need to turn to your own insurance coverage. There are several different policies that can cover the costs of a hit-and-run accident:

UM/UIM Insurance

Although it generally covers accidents in which the at-fault driver either has no insurance or does not have sufficient insurance to cover your losses, uninsured/underinsured motorist insurance (also known as UM/UIM insurance) also covers hit and runs. The insurance company treats the driver in a hit and run as though he or she is an uninsured motorist.

Your UM/UIM policy can compensate you for the damages usually covered by an at-fault driver’s liability insurance, including:

  • Medical expenses
  • Lost wages
  • The loss of future income
  • Out-of-pocket expenses
  • Pain and suffering

Drivers in Connecticut are required to carry UM/UIM insurance (minimum coverage of $25,000 per person and $50,000 per accident). If you have UM/UIM insurance as required by law, you are covered if you are hurt in a hit-and-run accident.

Collision Coverage

Collision coverage can help pay for the damage to your vehicle after an accident. This includes the cost of repairs or replacement of your vehicle.

Medical Payments Coverage

Finally, medical payments (or med pay) insurance covers the cost of medical care for the injuries you sustain in the accident. This is optional insurance coverage you can purchase as part of your auto policy.

How Often Do Hit and Runs Get Caught?

The rate of arrests for a hit-and-run accident is not encouraging. Overall, only about 10% of these cases are ultimately solved.

Prosecution is unlikely because the hit-and-run driver is typically not caught. However, although it may not be possible for the driver to be brought to justice, your car insurance can help to cover your losses.

Will Insurance Compensate Me Fairly After a Hit-and-Run Accident?

It is important to know upfront that insurance companies – even “your” insurance company – do not have your best interest in mind. Even though you pay your premiums faithfully, there is no guarantee that the insurer will treat you fairly when you file a claim for UM/UIM insurance and/or other types of coverage.

As a rule, insurance companies will offer to settle claims for less than they are worth. Many claimants make the mistake of accepting a low settlement just so they have some money to cover their expenses. Payment of the claim may also be unreasonably delayed, depriving you of the financial resources you need to recover from the accident.

Ultimately, it is of the utmost importance to have a knowledgeable lawyer handle the hit-and-run claim on your behalf. An attorney can negotiate with your insurance company and potentially reach a higher settlement than you could obtain on your own. If the insurer doesn’t deal with you fairly, your attorney can file a lawsuit and (if necessary) take the case to court.

Furthermore, an experienced car accident lawyer will have the knowledge and resources to investigate the hit and run. It may be possible for your attorney to identify the hit-and-run driver, in which case you can bring a claim against the driver’s liability insurance.

Get Help with Your Hit-and-Run Claim

The consequences of a hit-and-run accident can be immense. Victims may suffer serious injuries and even the death of a loved one in the crash.

Drivers who evade responsibility for an accident should be held responsible. Unfortunately, this is not always possible. If the driver flees the scene of the accident, it is important to know how your insurance will handle the claim.

The Flood Law Firm is well-versed in many types of car accident claims, including hit-and-run accidents. We understand the unique challenges of these cases, and we will identify all available options for recovering the compensation you deserve.

Contact The Flood Law Firm today for a FREE consultation.

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