Travelers insurance is a company that provides auto coverage to those who need it. In America, it is legally required for all licensed drivers to only drive with insurance. If they do not, they run many risks and can be fined or face charges. It is estimated that as many as 15% of drivers do not drive with insurance, though, which is a big factor in why there are so many hit and run accidents. If you have been involved in a hit and run accident, you may need to turn to Travelers for reimbursement. This can be difficult if you have never pursued an insurance claim or a legal claim, and if you do not have to proceed, you should acquire expert representation and assistance from a team of seasoned attorneys. Our experienced hit and run accident lawyers at the Downtown LA Law Group will ensure that Travelers pays for your damages after a hit and run accident.
Information about Hit and Run Accidents
Hit and run accidents occur when a driver flees the scene of a crash. This is illegal – you must stay behind to give statements to police or to be a subject of investigation. If you leave, you face criminal charges. It is also simply an immoral act because the victim may be injured and may need medical assistance; if he is unable to call an ambulance by himself and the driver flees, he could suffer serious damages.
Many hit and run accidents happen at night time when the streets are unpopulated. The drivers assume that there are no eyewitnesses so they can simply speed off. Most victims will not pursue these drivers, or they will be unable to due to the damage to their vehicles or due to their bodily injuries. It is not common to see hit and run accidents happen in areas that are highly populated, such as congested freeways or busy parts of town.
Hit and run drivers usually flee because they are unable to face the consequences of their actions. For example, many hit and run accidents are carried out by drunken individuals. They know that if the police come, they very well may lose their license, pay hefty fines, and even see jail time. It is a better risk, to them, to simply leave the scene of the accident. Other drivers may not have any insurance coverage, which would make them completely liable for expenses and debts. If a driver has no insurance, he must prove that he can pay $35,000 – very few people have this amount or take this route.
Other drivers may have suspended licenses or warrants out for their arrest. If they stick around, they could face serious charges. Still others may have insurance but a history of accidents, and one more may push them past a limit and cause them to be dropped.
No matter what the reasoning, a hit and run accident is a large issue. Victims may suffer in various ways, and the injuries can be severe enough that they last for years. Some examples of injuries sustained in hit and run accidents include:
- Broken bones
- Facial injuries
- Neck and spinal cord injuries
- Herniated and slipped discs
- Hip and knee injuries
- Torn muscles
- Nerve damage
- Internal bleeding
- Internal organ damage
- Puncture wounds
- Crushing injuries
- Severed digits and limbs
- Paraplegia and quadriplegia
Injuries sustained in hit and run accidents can be extremely damaging. They may take away your ability to function, live a normal life, or hold a steady career. It is important that you pursue appropriate avenues of compensation after such an incident.
Travelers Insurance Hit and Run Coverage
Travelers has numerous types of insurance policies that it offers to clients. Drivers can secure different types and levels of protection. In California, it is required to carry a minimum of $15,000 in bodily injury, $30,000 in bodily injury to numerous people, and $5,000 in property damage. These minimums must be matched by other forms of insurance, like uninsured motorist coverage.
Uninsured motorist coverage is a policy that allows you to recover damages when the other driver does not have any insurance. Hit and run cases are thus applicable – the other party has vanished, so it is essentially a fact that there is no insurance company to go after.
California does not require you to carry uninsured motorist coverage like other states do. Therefore, if you are involved in a hit and run accident and you have no insurance coverage, you will be accountable for all the damages yourself.
There are other options available that can take precedence over uninsured motorist coverage. You may have a health insurance plan that will pay out regardless of the other forms of insurance you have; this can cover your bodily injuries, rendering uninsured motorist coverage null. You may also have personal injury protection with Travelers, which is offered in some areas, and allows you to receive lost income, medical expenses, pain and suffering, wrongful death expenses, and more.
Will my Travelers car insurance cover property damage to my vehicle after a hit and run accident?
You can have Travelers cover your property damage if you have full comprehension and collision coverage, which will pay out no matter whose fault the accident was. You may also have uninsured motorist property damage coverage, which will cover the repairs after a hit and run. This policy often has a deductible that must be met before you can receive coverage, though.
Does my car insurance cover medical costs if I was involved in a hit and run accident?
Your uninsured motorist coverage can protect you if you have the option selected. You may need to specifically request or purchase it when you select your plan. You also will need to show that it was a hit and run and that there is no opposing agency to sue.
There is no deductible with uninsured motorist bodily injury coverage, but it is also not easy to acquire.
How do I sue Travelers for a hit and run claim?
If you wish to sue Travelers for compensation from a hit and run accident, you will need to secure affair amount of evidence. We recommend the following steps:
- First, go to the doctor for medical treatment and procedures.
- Do not hesitate to visit the doctor – waiting will worsen your injuries and cause the insurance agent to doubt your claim.
- Keep the medical records, doctor’s notes, hospital receipts, prescriptions, test results, and more.
- Take photos of the injuries you suffered, the scene of the accident, the damage done to your vehicle, and more.
- Provide any videos, if possible, of the accident, including gated security lot videos, business surveillance footage, dashboard camera videos, and more.
- Ask eyewitnesses, if any, for their statements and testimonies to add to your claim.
- File a police report and request a copy of it.
After securing this evidence, you should find a lawyer with experience in hit and run lawsuits. If you try to move forward with a case against Travelers by yourself, you might not succeed. You need adequate legal experience and negotiation skills to wrestle a settlement from the company, especially if they are bent on preserving their profits. You might not have a good grasp of the law, bad faith in insurance claims, and your rights as a client. We will work around the clock to secure you a fair amount of compensation.
How long do I have to file a hit and run claim with Travelers?
In California, you have 2 years from the date of the injury to file a lawsuit against your insurance company for a hit and run accident. If you do not sue within this time period, you will be unable to collect any compensation in the future. It is crucial that you act quickly or your evidence may get lost or corrupted, for example. Often, claims do not get filed because the victims do not know the proper statute of limitations or they miss the deadlines. We guarantee that this will not happen if you hire us to represent you.
The Best Firm in Los Angeles
The Downtown LA Law Group has a long history of winning hit and run accident claims from Travelers. We dedicate ourselves to our clients and our aggressive lawyers stop at nothing to succeed. We have recovered hundreds of millions of dollars over the years, and we are more than willing to fight for your rights in court.
For a free legal consultation, call our firm today. All consultations are totally private and confidential, and none of your personal details will be shared elsewhere. We encourage you to ask us questions and we will tell you what we believe your claim is worth. If you hire us, we’ll give you our zero fee guarantee on your case. You won’t pay a dime, and we only get paid if we win – the money will come as a portion of the settlement from Travelers. If we lose, you owe us nothing, and we eat the costs of the case ourselves.
For help filing a hit and run accident claim against Travelers, contact the Downtown LA Law Group at once.