What To Do if You're In A Hit-And-Run Accident And Have No Insurance

​Being involved in a hit-and-run accident can be a distressing and frustrating experience, especially if you're uninsured. In such situations, it's essential to know how to protect yourself legally and financially. In this blog, we'll provide a step-by-step guide on what to do if you're in a hit-and-run accident and have no insurance. We'll also discuss the role of auto insurance, even for uninsured drivers, in dealing with the aftermath of such incidents.

Step 1: Gather Information
After a hit-and-run accident, try to gather as much information as possible about the other vehicle. This includes the make and model, license plate number (if visible), and any identifying features. Witnesses can be invaluable, so ask if anyone nearby saw the accident and can provide a description of the other vehicle.

Step 2: Call the Police
Contact the police immediately to report the hit-and-run accident. Provide them with all the details you have gathered. A police report is essential for insurance claims and legal purposes.

Step 3: Seek Medical Attention
If you or anyone else involved in the accident is injured, seek medical attention promptly. Your health and safety should be the top priority.

Step 4: Notify Your Insurance Company
Even if you don't have insurance coverage at the time of the accident, it's important to contact your insurance company to inform them of the situation. They can provide guidance on what steps to take and may assist in locating potential coverage options.

Step 5: Explore Uninsured Motorist Coverage
If you have uninsured motorist coverage (UM) or underinsured motorist coverage (UIM) as part of your auto insurance policy, it may help cover the costs associated with a hit-and-run accident, even if you were uninsured at the time. UM/UIM coverage is designed to protect you when you're involved in an accident with an uninsured or underinsured driver.

Step 6: Legal Assistance
Consider consulting with an attorney who specializes in personal injury or motor vehicle accidents. They can help you navigate the legal aspects of your situation, especially if there are difficulties in identifying or locating the hit-and-run driver.

Step 7: Document the Accident
Take photos of the accident scene, your vehicle's damage, and any injuries you sustained. This documentation can be valuable when pursuing a claim or legal action.

Step 8: Be Cautious with Settlement Offers
If the hit-and-run driver is eventually located or identified, be cautious with any settlement offers they or their insurance company may present. Consult with your attorney before accepting any offers to ensure your rights and best interests are protected.

Auto Insurance's Role for Uninsured Drivers:
Even if you were uninsured at the time of the hit-and-run accident, your auto insurance history and any potential UM/UIM coverage can still play a role in the aftermath. It's crucial to discuss your options with your insurance company and, if necessary, explore the possibility of obtaining coverage for future incidents.

In Conclusion:
Being in a hit-and-run accident without insurance can be challenging, but it's important to take the right steps to protect yourself legally and financially. Notify the authorities, seek medical attention if needed, and contact your insurance company to explore potential coverage options. Understanding the role of auto insurance, even for uninsured drivers, can make a significant difference in how you handle the aftermath of a hit-and-run accident.

​At McClain Matthews Insurance, we put our clients first by offering them policies that they can afford. Insurance is a necessity nowadays, and we're here to help you. Learn more about our products and services by calling our agency at (317) 298-7500. You can also request a free quote by CLICKING HERE. 

Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.​