• Jan 09, 2026
• By Matthews

How to File a Car Insurance Claim After a Hit-and-Run A hit-and-run accident—where the driver who caused the damage flees the scene without providing their information—is a stressful and frustrating experience

While the situation can feel overwhelming, knowing the proper steps to take can help you navigate the process smoothly and maximize your chances of a successful insurance claim.

Immediate Steps at the Scene

Your safety and the safety of others is the top priority.

This is dangerous and could escalate the situation. Your goal is to gather information, not pursue.

If your car is drivable and creating a hazard, move it to the side of the road. Turn on your hazard lights.

This is a critical step. A police report is an official record of the incident and is often required by your insurance company. Tell the dispatcher it was a hit-and-run. An officer will come to the scene to take your statement and document the evidence.

While waiting for the police, collect as much information as possible:
* Photograph Everything: Take comprehensive pictures of the damage to your vehicle, the surrounding area, skid marks, and any debris from the other vehicle (like broken glass or plastic parts).
* Look for Witnesses: Ask any bystanders if they saw the accident. Get their names and contact information. Their statements can be invaluable.
* Note Details: Write down the time, exact location, and a description of the fleeing vehicle (color, make, model, any distinguishing features like bumper stickers, and if possible, even a partial license plate number).

If you have any pain or discomfort, even if it seems minor, seek medical evaluation. Some injuries, like whiplash, may not be immediately apparent. This also creates a medical record linked to the event.

Contacting Your Insurance Company

Notify your insurance provider as soon as possible, ideally within 24 hours.

Provide your policy number, the date, time, and location of the incident, and the police report number.

Your insurance agent will guide you through starting the formal claim process. Be prepared to provide a detailed account of what happened and submit all the evidence you collected (photos, witness info).

The type of coverage that applies to a hit-and-run depends on your policy and your state’s regulations:
* Collision Coverage: This is the most straightforward path. If you have collision coverage, it will typically pay for the repairs to your car, minus your deductible. You do not need to identify the other driver.
* Uninsured Motorist (UM) Property Damage: In many states, this coverage can apply to hit-and-run accidents, treating the fleeing driver as an “uninsured motorist.” It often has a lower deductible (sometimes even ) than your collision coverage. Check your policy and your state’s laws.
* What if I only have liability insurance? Standard liability insurance covers damage you cause to others. It does not cover your own vehicle’s repairs in a hit-and-run where you are not at fault. You would be responsible for the costs unless the at-fault driver is identified and has insurance.

The Claims Process and Investigation

After filing, an insurance adjuster will be assigned to your case.

Your insurer will obtain a copy of the official police report. This document is a cornerstone of their investigation.

The adjuster may want to inspect your vehicle’s damage in person or have you get repair estimates from approved shops.

Remember, you will be responsible for paying your chosen coverage’s deductible before the insurance covers the remaining repair costs.

If the police later identify the at-fault driver, your insurance company may attempt to subrogate—or recover the money they paid you, including your deductible—from that driver’s insurance company. If successful, you may be reimbursed for your deductible.

Protecting Yourself:

Prevention and Preparedness

While you can’t control others, you can take steps to protect yourself:

* Consider a Dash Cam: A dashboard camera can provide irrefutable video evidence of a hit-and-run, including the license plate of the fleeing vehicle.
* Review Your Coverage Annually: Ensure you have adequate coverage. Discuss with your agent whether adding Uninsured Motorist Property Damage or lowering your collision deductible is right for you.
* Keep Documents Accessible: Have your insurance card and a claim checklist (like this one) in your glove compartment.

Final Thoughts

Experiencing a hit-and-run is a violation, but a methodical response is your best tool. Prioritize safety, involve the police immediately, document everything, and communicate promptly with your insurance carrier. By understanding your coverage and following these steps, you can manage the aftermath effectively and get back on the road with greater peace of mind.