Recovering Compensation in a Hit and Run Auto Accident

A hit and run auto accident is a type of accident in which someone causes or contributes to an accident and flees the scene without stopping by. In any hit and run accident case, it is the negligent driver who is liable for any injuries and damages. However, if the driver cannot be traced, the injured person’s only source of compensation is his or her own auto insurance policy. The injured can recover compensation through the following coverage:

Uninsured motorist coverage

This coverage covers an individual when he or she is injured by an insured driver. The insurance company considers this coverage just as a normal liability claim. The injured may need to prove the following:

·         The other parties’ liability

·         His or her extent of contribution to the accident

·         The extent of injuries

·         Damages

Personal injury protection (PIP) coverage

This covers medical expenses, lost wages or funeral expenses, regardless of who was at fault in the accident. This coverage does not cover pain and suffering damages or vehicle damages.

Collision coverage

This coverage allows the injured to make a claim for vehicle repairs, regardless of who was at fault for the accident. In the case of a hit and run accident, the victim can also file a claim for vehicle damage under collision coverage against his or her own policy.