What Car Insurance Coverage Do I Need?

Decide how much liability coverage is enough for similar type of drivers.

What does a hit-and-run police report

A hit-and-run accident is an accident where one driver hits another vehicle, damaging it, and the leaves the scene of the accident. This is a crime and is against the law. If your car gets hit by someone who you do not find the scene when you return, it can lead to expensive bills, especially if you do not have the right types of automobile insurance coverage. It is essential to file a police report if your vehicle is a victim of a hit-and-run accident. They can investigate the accident, although in some cases they may never find the culprit.

Hit-and-run accidents are a unique type of automobile crash, in that the other person’s insurance coverage would not be available to cover the damages to your vehicle. Uninsured motorist coverage, which provides financial protection if the other driver is at fault in an accident and does not have insurance to pay for the damages, also does not apply. This is because the other driver cannot be identified, so it is not apparent whether they had automobile insurance or not.

Fortunately, for people who have collision insurance coverage, this plan most often pay for repairs. In addition to an accident where people are both driving, one crashes into the other, and then drives off, accidents involving parked vehicles are also considered hit-and-run accidents. While the laws vary in different states, in most cases, it is the responsibility of the person at fault for the accident to find the owner of the vehicle they have damaged if not present. In cases where you are not able to find the owner of the vehicle, it is suggested to leave behind a note with your name, address, and an explanation of the accident. This needs to be put in a place that is easily noticeable. Leaving the name and address of whoever owns the vehicle you are driving when the accident occurs is also vital.

Hit-And-Run Accident Reports

There are reports that are made by the police in regards to hit-and-run accidents. This is the documentation from the police that helps them to investigate the crime. It includes a multitude of information, including what damage has occurred to the vehicle, what damage has occurred to property, the location of the hit-and-run accident, the estimated time of the hit-and-run accident, and more. The police will also take down your contact information and the details about your vehicle.

Measures Police Can Take To Find A Hit-And-Run Driver

There are numerous strategies that police use in order to find people who have driven away from automobile accidents when they should’ve stayed, from a legal perspective. The police use any evidence at the scene, making a record of it and keeping the evidence when necessary. They will look to see if there were any witnesses of the crash, and also look for situations where surveillance footage might be available. They use these strategies, as well as others, to find the person guilty of the hit-and-run accident.

Witnesses can provide excellent information in terms of what type of vehicle the other driver was driving, possibly what they look like, and if they are able to assist the police in their investigation, they most often do.

An evaluation of the damage also happens. In some cases, a vehicle will leave behind paint after it strikes a vehicle or piece of property. Not only can this information be useful in determining how much damage there is, but it can also help determine the color of the vehicle and help them identify the vehicle if it is nearby. In most cases, the police will take a picture of the damage as well.

Surveillance footage can be a huge help. If the entire incident was caught on video, a lot of information could be added to the investigation file. This can include the type of vehicle, the color of the vehicle, the license plate of the vehicle, and potentially the driver in the vehicle. Sometimes, police officers will release hit-and-run accident information to local news stations. Surveillance footage is most common in places like gas stations, mall parking lots, store parking lots, and parking that is on the street in front of businesses.

Hit-And-Run Penalties

With more serious damages stemming out of some hit-and-run accidents, the success rate of catching the culprit can be fairly good. The more damage an accident has, the more likely the culprit is to be caught. Outside of this, there are hefty fines and fees for people found guilty of a hit-and-run accident. This type of crime can have penalties of up to six months in jail, victim restitution, fines, fees, and more. Each state has different laws pertaining to hit-and-run car crashes, and you can check with your DMV for the latest. It is also possible to be convicted of a felony if the hit-and-run accident has caused serious bodily injury or death. If you are involved in a hit-and-run accident, try to find the owner of the vehicle and take proper action if you cannot. Leave a note with your contact information, name, and more. This is the way to avoid penalties and follow the law.

Tips To Avoid Mistakes After A Hit & Run Accident

Many people make mistakes if a hit-and-run accident occurs. Most of these mistakes could be avoided if knowledge about the fines, fees, penalties, and how hit and run accidents occur was more readily available. Here are some tips:

First off, understand that people make mistakes. How you react to the uncertainty that comes from having hit another vehicle is essential. Stay at the scene, even if you start to panic a little bit about the accident.

If you are the person at fault in the hit-and-run, contact the police proactively. They are much more willing to work with you to get the most beneficial outcome if you do this. Cooperation, not only with the police but also with the other driver and the insurance companies, is vital. Each accident is different, as is each driver and police officer.

If you are at fault in a hit-and-run accident, and have left the scene, do not admit fault right away and get representation. Hire a hit-and-run specialist who will help protect you as much as they can from possible charges being filed. Avoid being arrested, be ready to negotiate, and do not turn yourself in to the police station, regardless of how bad you feel about the accident. Get representation and talk to them about the process first.

Article rating:

5.0/5.0 (8 user votes)

Add new comment

CAPTCHA
This question is for testing whether or not you are a human visitor and to prevent automated spam submissions.

Enter your zip code to get insurance quotes in your area

Wrong zip code
GET a quote online