There are two things to do after a hit and run.

First, you need to make a police report. Give the investigator any information you have about the accident, including the name and number of anyone who saw anything that might be useful. There are some bad consequences if the driver cannot be found. Law enforcement’s investigation can be cursory, short, and simply a shrugging of the shoulders if they have no leads. They need something to investigate.

Second, you need to review your insurance coverage and see what your coverage is. If the driver cannot be found, it will not be considered an uninsured motorist and your insurance will inform you that your uninsured coverage does not apply when they cannot confirm whether the driver is uninsured or not. I know this sounds strange and like a technicality being used against you, but that is what will happen. (As discussed above, another reason to do everything in your power to locate the driver.) Your regular coverage may kick in at that point, but you will have to pay your deductible. You need to ask questions to determine what coverage will be applied and what your out-of-pocket expense will be.

DISCLAIMER: All legal principles quoted are valid as of the date of writing in the State of California. However, you should NEVER base your actions on a legal article, blog, or internet story, as facts in real life are complicated. You should have your case evaluated by an attorney experienced in the area of law needed for your case. In addition, there are often exceptions and potential changes to results that occur due to facts that you may think are trivial or unimportant. This article should not be taken in any way as legal advice on your specific legal matter.

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