• Jun 07, 2025
• By Brian

How to File a Car Insurance Claim After a Hit-and-Run

Being involved in a hit-and-run accident can be stressful and frustrating. Whether your parked car was hit or you were struck while driving, knowing how to properly file an insurance claim is crucial for recovering damages. Follow these steps to ensure a smooth claims process.

1. Stay Calm and Assess the Situation

If the accident occurs while you’re driving, pull over safely and check for injuries. Even if the other driver flees, avoid chasing them—this can escalate danger. Instead, focus on gathering as much information as possible.

2. Call the Police Immediately

A police report is essential for a hit-and-run claim. Officers will document the scene, collect witness statements, and provide an official report, which strengthens your case with the insurance company.

3. Gather Evidence

• Take photos/videos: Capture damage to your vehicle, the accident location, and any debris.
• Note details: Write down the time, location, and any identifying features of the fleeing vehicle (color, make, model, or partial license plate).
• Look for witnesses: Ask bystanders for statements and contact information.

4. Contact Your Insurance Provider

Report the incident as soon as possible. Provide all collected evidence, including the police report. If you have uninsured motorist (UM) coverage or collision coverage, your insurer may cover repairs after your deductible.

5. Follow Up and Cooperate

Your insurer may investigate further. Respond promptly to requests for additional information. If the at-fault driver is later identified, their insurance may be held liable.

6. Consider Legal Assistance

If the claim is denied or damages exceed your coverage, consult a personal injury or auto accident attorney to explore legal options.

Final Thoughts

Hit-and-run accidents are unsettling, but taking swift, organized action improves your chances of a successful claim. Always prioritize safety and document everything meticulously.