Hit and Run Accident – Can File a Claim Against My Insurance Co.

Hit and Run Accident – Can File a Claim Against My Insurance Co.

Every year hit and run auto accidents result in thousands of serious injuries and hundreds of fatalities. Unfortunately in many instance perpetrators of these crimes are not captures by the law enforcement authorities. Such accident can be perpetrated against other motorists, pedestrians, and bicyclists alike. In cases where hit and run drivers are not capture or hit and run drivers do not have liability insurance victims are able to seek compensation from their own insurance companies if they have uninsured and or underinsured motorist coverage.

Hit and Run Accident Statics

  • In 2011 close to 1,500 individuals died due to trauma from hit and run accidents.
  • Los Angeles in the leading hit and run accident location with 21,000 last year.
  • 4,000 of the 21,000 result in injuries to innocent victims.

Underinsured and Uninsured Motorists Coverage – UIM Police for Hit and Run Accident

Underinsures and uninsured insurance is a supplement to an auto accident insurance coverage  mandated by the state of California. Under states laws drivers of vehicles driven on the road must carry liability insurance coverage set at a minimum of $15,000 for injuries sustained to one individual and $30,000 overall. This means that if you are involved in an accident where you are placed at fault your insurance company will step in and compensate the injured party up to but not exceeding the policy limits of your coverage.

But what happens is you are involved in an auto accident where the other party is places a fault but does have insurance or his insurance coverage is not enough to provide full compensation for the damages you have incurred. In these circumstances individuals who have uninsured or underinsured motorist coverage are able to file a claim against their own insurance provider for the damages suffered. This also applies to instances of hit and run accidents where the at fault party could not be apprehended by authorities.

Compensation Available

Victims who have Uninsured and or underinsured motorist coverage  may be able to receive compensation from their own insurance carrier for all damages including.

  • All medical and health related expenses.
  • Al future medical care and rehabilitation expenses.
  • Pain and suffering including emotional trauma and mental anguish
  • All economic damages including damage to property and loss of property

Availability for Punitive Damages: Insured individuals and their insurance companies are under privity of contract. This means that insurance companies owe a duty of good faith and fair dealing when it come to compensation for injuries in an auto accident. Failure to live up to their contractual obligations can result in a judgment for punitive damages.

Attorney Consultation Available: If you have any further questions regarding compensation for injuries and damages incurred in a hit and run accident feel free to contact our law offices. All legal consultations are provided free of charge.