December 8, 2023 Posted In Car Accidents
Hit-and-run accidents can leave victims in a challenging situation, especially since the responsible party flees the scene. However, there still may be options for compensation.
California follows a “fault” system, meaning that the at-fault party and their insurance company are generally responsible for the damages. However, if law enforcement cannot find the at-fault party, you will have to turn to your own insurer for coverage if you carry the following:
UM is a type of optional coverage. It is typically included in auto insurance policies, but you have the opportunity to opt out of it in writing. It is designed to provide financial protection when the at-fault party is unknown or lacks insurance. Therefore, if you carry UM, you can file a claim under your own insurance policy for coverage up to your policy’s limits.
Medical Payments (MedPay) coverage is an additional optional form of insurance that can help cover medical expenses resulting from the accident, regardless of fault. This coverage can be instrumental in addressing immediate medical needs after a hit-and-run.
If you chose to add collision coverage to your insurance policy, it can help cover the costs of repairing or replacing your vehicle, even in hit-and-run cases. However, you will be responsible for your deductible.
Holding an at-fault party accountable for a hit-and-run when they are identified but don’t have insurance can be challenging. However, you have the right to file a personal injury lawsuit against the at-fault driver personally. If they have the assets, you can pursue compensation for medical expenses, property damage, lost wages, pain and suffering, and other losses.
The steps you take after a hit-and-run accident can be when it comes to filing a claim:
Lastly, consult a Riverside Car Accident Attorney. They can provide legal guidance, especially if you encounter challenges with insurance claims or need to explore legal action against the responsible party.