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Dealing with an insurance claim for a hit-and-run accident

On Behalf of | Sep 8, 2015 | Hit-and-Run Accidents |

A hit-and-run accident on a Louisiana road can be stressful as a motorist deals with the immediate aftermath. Automobile insurance questions can add to the stress as a driver wonders about how damages or bodily injury will be covered. Understanding in advance about coverage for such incidents may be helpful, and having a strategy for gathering information about the incident may assist as one attempts to have the damages and costs covered by the appropriate insurers.

It can be difficult to track down information if the negligent party fled the scene of an accident. If an individual is not at the scene when their vehicle is struck, it is important to gather as much information as possible from any potential witnesses. Time, location, and damages should be documented, and photos are helpful for establishing the severity of the incident and the credibility of the vehicle owner. Because insurance fraud can be a problem for insurers, it is crucial to preserve or document evidence that demonstrates that fraud isn’t an issue.

In cases in which the vehicle is struck while occupied, the owner should contact the authorities promptly. Photos can help in documenting the facts of the incident, including location, damages, and possibly the license plate or image of the other vehicle. It is not advisable to pursue the other vehicle due to the potential for the situation to escalate and become violent. A police report should be filed to ensure that the situation is on the record.

An individual who has been injured or suffered financial loss because of a hit-and-run accident may have a difficult time tracking down insurance details for the other party. In some cases, the other party could lack coverage, making it necessary to work through one’s own provider to make a claim. If the insurer is resistant to covering such an incident, it may be helpful to obtain the assistance of a lawyer.