{"id":63734,"date":"2026-08-03T16:17:06","date_gmt":"2026-08-03T22:17:06","guid":{"rendered":"https:\/\/www.callicottinsurance.com\/ms\/posts-news\/next-steps-after-hit-and-run-accident\/"},"modified":"2026-08-03T16:17:06","modified_gmt":"2026-08-03T22:17:06","slug":"next-steps-after-hit-and-run-accident","status":"publish","type":"post","link":"https:\/\/www.callicottinsurance.com\/ms\/posts-news\/next-steps-after-hit-and-run-accident\/","title":{"rendered":"The Other Driver Took Off: Your Next Steps After a Hit-and-Run"},"content":{"rendered":"\n<div class=\"bpsc-article\"><p class=\"bpsc-lede\">There&#8217;s a jolt, the crunch of metal, and by the time you look up, the other car is already turning the corner. A hit-and-run leaves you with damage, maybe injuries and no one to exchange information with. It&#8217;s an infuriating situation, but the next half hour matters a great deal. What you do at the scene, and the coverage you chose long before that day, will shape how smoothly you recover.<\/p><div class=\"bpsc-takeaways\"><p class=\"bpsc-takeaways__title\">The Short Version<\/p><ul><li>Stay at the scene, get to safety and check for injuries. Don&#8217;t chase the other driver.<\/li><li>Call the police and gather every detail you can: plate, vehicle description, witnesses and photos.<\/li><li>If the driver is never found, your own policy is usually how you get paid.<\/li><li>Uninsured motorist coverage and collision coverage are the main protections, and state rules vary.<\/li><\/ul><\/div><h2>First, Protect Yourself<\/h2><p>The urge to follow the fleeing car can be strong. Resist it. A chase puts you and others at risk, and leaving the scene could create legal problems for you. Instead, take a breath and focus on what&#8217;s in front of you.<\/p><ol class=\"bpsc-steps\"><li><strong>Get safe.<\/strong> If your car can move and it&#8217;s safe to do so, pull out of traffic and turn on your hazard lights.<\/li><li><strong>Check for injuries.<\/strong> Look after yourself and your passengers. Some injuries, especially to the neck and back, don&#8217;t show up right away, so consider getting checked even if you feel fine.<\/li><li><strong>Call 911.<\/strong> Report the crash and request medical help if needed. Many states require a police report after certain accidents, and insurers often rely on one for hit-and-run claims.<\/li><li><strong>Write down what you remember now.<\/strong> Memory fades fast under stress. Use your phone&#8217;s notes app to record the other car&#8217;s color, make, model, any part of the plate, damage you noticed, the direction it went and the time.<\/li><li><strong>Find witnesses.<\/strong> Bystanders and other drivers may have seen the plate or the driver. Get names and phone numbers before they leave.<\/li><li><strong>Photograph everything.<\/strong> Capture the whole vehicle, close-ups of the damage, paint transfer from the other car, debris, skid marks, street signs and the surrounding area.<\/li><li><strong>Call your agent or insurer.<\/strong> Report the claim promptly. Some policies set deadlines for reporting hit-and-run accidents to police and to the insurer.<\/li><\/ol><div class=\"bpsc-callout bpsc-callout--tip\"><p class=\"bpsc-callout__label\">Pro Tip<\/p><p>Look around for cameras. Nearby businesses, traffic cameras, doorbell cameras and other drivers&#8217; dash cams may have caught the other vehicle. Footage is often overwritten within days, so share these leads with police quickly. A dash cam of your own can be a worthwhile investment.<\/p><\/div><h2>When You Come Back to a Damaged Parked Car<\/h2><p>Many hit-and-runs happen in parking lots, with no one around. The same principles apply. Don&#8217;t move the car until you&#8217;ve taken photos, look for a note or witnesses, ask the property owner about security video and file a police report. The claim process is similar, though some coverages treat parked-car incidents differently, so ask your agent how your policy applies.<\/p><h2>Why Drivers Flee<\/h2><p>Leaving the scene of an accident is a crime in every state, with penalties that can include fines, license suspension and jail time. Drivers flee anyway, often because they have no insurance, are impaired, have a suspended license or outstanding warrants, or are driving a car that isn&#8217;t theirs. Those same reasons are why many hit-and-run drivers, even when found, may not have coverage that can pay for your damages.<\/p><h2>How Your Insurance Can Help<\/h2><p>If police identify the other driver and that driver has insurance, their liability coverage may pay for your damage and injuries. When that doesn&#8217;t happen, you&#8217;ll usually turn to your own policy. Here&#8217;s how the main coverages typically fit:<\/p><div class=\"bpsc-table-wrap\"><table class=\"bpsc-table\"><thead><tr><th>Coverage<\/th><th>What it may help pay for<\/th><th>Things to know<\/th><\/tr><\/thead><tbody><tr><td>Uninsured motorist bodily injury<\/td><td>Medical bills, lost wages and pain and suffering for you and your passengers<\/td><td>Required in some states and optional in others; often applies to hit-and-run drivers<\/td><\/tr><tr><td>Uninsured motorist property damage<\/td><td>Repairs to your vehicle<\/td><td>Not available in every state; some states require physical contact or a police report; may have its own deductible<\/td><\/tr><tr><td>Collision<\/td><td>Repairs to your vehicle, regardless of fault<\/td><td>Optional unless your lender requires it; your deductible applies<\/td><\/tr><tr><td>Medical payments or personal injury protection<\/td><td>Medical expenses, and in some states lost income<\/td><td>Personal injury protection is central in no-fault states<\/td><\/tr><\/tbody><\/table><\/div><p>Whether a given claim is paid, and under which coverage, depends on your policy and the rules in your state. In some states, a hit-and-run collision with your car must involve actual contact, not just a car that ran you off the road, to qualify under uninsured motorist coverage.<\/p><div class=\"bpsc-callout bpsc-callout--warning\"><p class=\"bpsc-callout__label\">Check Your Coverage<\/p><p>If you carry only state-minimum liability, you may have no coverage for your own car after a hit-and-run. Liability insurance pays for damage you cause to others, not damage done to you.<\/p><\/div><h2>Even in a No-Fault State<\/h2><p>No-fault states require drivers to carry personal injury protection, which pays certain medical costs through your own insurer regardless of who caused the crash. That&#8217;s helpful, but it may not cover vehicle damage or serious injury costs beyond its limits. Uninsured motorist coverage can still be valuable for filling those gaps.<\/p><div class=\"bpsc-faq\"><h2>Frequently Asked Questions<\/h2><details><summary>Will a hit-and-run claim raise my rates?<\/summary><p>Because you weren&#8217;t at fault, many insurers don&#8217;t surcharge for a hit-and-run, but practices vary by company and state. Ask your agent how it&#8217;s handled.<\/p><\/details><details><summary>Do I have to file a police report?<\/summary><p>It&#8217;s strongly recommended, and many states and insurers require one for hit-and-run claims, sometimes within a short time frame.<\/p><\/details><details><summary>What if police find the driver later?<\/summary><p>Your insurer may pursue the other driver or their insurer to recover what it paid, and you may be able to recover your deductible as part of that process.<\/p><\/details><\/div><div class=\"bpsc-cta\"><p class=\"bpsc-cta__title\">Don&#8217;t Wait Until It Happens<\/p><p>Find out now whether your auto policy would protect you after a hit-and-run. Callicott Insurance Agency can review your uninsured motorist and collision coverage with you.<\/p><\/div><p class=\"bpsc-disclaimer\">This article is for general information only. Coverage and legal requirements vary by insurer, policy and state; review your own policy or talk with a licensed agent about your situation.<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>When a driver flees the scene, what you do next matters. 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