A hit and run occurs typically refers to when a driver involved in a crash leaves the scene without stopping to provide their contact or insurance information. These incidents may include a collision with another vehicle, pedestrian, cyclist, or third-party property.
What are the consequences of a hit and run?
Hit-and-run accidents are illegal in every U.S. state and may lead to serious consequences for the driver who leaves the scene. This could include criminal charges, fines, license suspension, and lasting impacts on their insurance rates.
Legal consequences for hit-and-run incidents can vary by state. Some states may have enhanced penalties for hit-and-run drivers, especially when injuries or significant property damage are involved.
How hit-and-run insurance claims apply
For others involved in the incident, a hit-and-run insurance claim can be complicated. The process to file a car insurance claim often depends on the type of coverage you have. If the other driver can’t be identified, uninsured motorist coverage may apply. Collision coverage may also help pay for repairs to your vehicle, even if another driver caused the damage.
The availability of coverage may depend on your policy and state regulations. You can review these details by reviewing your policy or consulting with your insurance carrier.
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