How To Handle A Hit And Run Case
2:26 AM
You may be following the entire right rule while driving, being safe and protective as well as following all of the laws. The scariest part about driving for most people is not getting behind the wheel themselves but the fear of whom else is behind the wheel on the road. Not all follows the rules and that is how accidents happen.
The one rule you expect everyone to be following is to have insurance, it is against the law to drive without it so you expect that the cars on the road are all legal. The problem is that many people do drive with no insurance and they are the number one culprits for hit and runs.
When you are in an accident you look forward to other person will stay at the scene and wait for the police to be called, you can fill out a report, switch over insurance companies and then deal with the damage later after you are off the road. If you are involved in an accident with someone who does not have insurance or for some other reason they are not wanting to face the police you might not have this experience. You could be involved in an accident and see the car that caused it speed off and never to be seen again.
When you are in the middle of a mishap and you car has been hit, try to maintain equanimity and attempt to note down the vehicle number expecting it to vacate the scene. In case the other driver has been decent enough to park and wait, note down the number, to be on the safer side.
If you want to file a claim with your insurance company, you have to make sure that the police take down both of your insurance numbers. If the person that was in an accident with you does not have insurance, and you have underinsured or uninsured vehicle coverage, your insurance company will pick up the cost of the accident up to the top limit of your policy.
In an incidental accident like this, you will be responsible for the deductible. The accident is not your fault, but the insurance company requires that the deductable be paid out while the company takes up the rest of the cost. This is better than being stuck with the full bill, which could cost upwards of thousands of dollars. In a hit and run accident, the person sometimes is not caught because they drive away as fast as possible. The police will look for the criminal, and if they find them the insurance will be able to cover it. If they cannot find the person who caused the accident, then you will be forced to pay out of your pocket for the accident. This is why it is important that the person who caused it is found and taken to court for repayment. If you can take care of certain basic assumptions, then you will be able to get the most out of your insurance possible. This is the most important thing that you can do; do not pay too much for the accident.
The one rule you expect everyone to be following is to have insurance, it is against the law to drive without it so you expect that the cars on the road are all legal. The problem is that many people do drive with no insurance and they are the number one culprits for hit and runs.
When you are in an accident you look forward to other person will stay at the scene and wait for the police to be called, you can fill out a report, switch over insurance companies and then deal with the damage later after you are off the road. If you are involved in an accident with someone who does not have insurance or for some other reason they are not wanting to face the police you might not have this experience. You could be involved in an accident and see the car that caused it speed off and never to be seen again.
When you are in the middle of a mishap and you car has been hit, try to maintain equanimity and attempt to note down the vehicle number expecting it to vacate the scene. In case the other driver has been decent enough to park and wait, note down the number, to be on the safer side.
If you want to file a claim with your insurance company, you have to make sure that the police take down both of your insurance numbers. If the person that was in an accident with you does not have insurance, and you have underinsured or uninsured vehicle coverage, your insurance company will pick up the cost of the accident up to the top limit of your policy.
In an incidental accident like this, you will be responsible for the deductible. The accident is not your fault, but the insurance company requires that the deductable be paid out while the company takes up the rest of the cost. This is better than being stuck with the full bill, which could cost upwards of thousands of dollars. In a hit and run accident, the person sometimes is not caught because they drive away as fast as possible. The police will look for the criminal, and if they find them the insurance will be able to cover it. If they cannot find the person who caused the accident, then you will be forced to pay out of your pocket for the accident. This is why it is important that the person who caused it is found and taken to court for repayment. If you can take care of certain basic assumptions, then you will be able to get the most out of your insurance possible. This is the most important thing that you can do; do not pay too much for the accident.
About the Author:
Graham McKenzie is the content syndication coordinator for Carinsurancesa.co.za. South Arica?s leading Car Insurance portal, which helps people save on their Car Insurance.
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