What to Do After a Hit-and-Run

A hit-and-run can be scary and infuriating, but very little is known about the protocol after the other driver takes off. 

When someone causes an accident and willingly fails to stop to provide any information, you got yourself a hit-and-run. Filing a car insurance claim when you don’t have any info on the other car can be quite the challenge. These accidents occur between cars, between a car and a pedestrian, and a car and property. If you ever find yourself the victim of a hit-and-run, take these tips into consideration before you proceed any further.

  1. Pull over and make sure everyone is okay.
    Although your first instinct may be to chase the driver to at least get their license plate number, don’t. Take a breath and make sure that everyone in the car is okay. Then pull over and check the damage.
  2. Try and record as many details as possible.
    This step is hard, especially if you didn’t get a good look at the other driver. Ideally, you want to know:
    • make and model of the car;
    • the color;
    • license plate;
    • time and location of the accident;
    • any information from eye-witnesses
  3. Call the police. 
    The official police report is an essential part of a hit-and-run claim. Even if you somehow saw nothing, the police report will come in handy during the claims process.
  4. Call your insurance company to file the claim.
    Tell your insurance agent that you have been involved in a hit-and-run. Your insurance agent should guide you through the whole process from start to finish.

We hope the person who crashed into you has the decency to stop and provide all the necessary information, but not everyone is a decent human being. For car accidents, you’ll want to have a quality auto insurance policy in place. To get the coverage you need to be protected post-accident, contact Pierce Insurance Group in McKinney, Texas today.