Car accident cases are bad!
They often lead to – painful injuries, vehicle damage, and unexpected medical bills.
But when it comes to a hit and run – the situation becomes even more challenging.
In a hit and run crash – the driver who caused the wreck leaves the scene – making it harder for you to seek compensation.
So, does uninsured motorist coverage help in these situations?
The answer is yes—and here’s what you need to know about these cases and hiring a hit and run accident attorney.
What is uninsured motorist coverage?
Uninsured motorist (UM) coverage is a kind of insurance designed to help you if you’re in an accident – where the other driver does not have insurance or cannot be determined – like in a hit and run. This coverage can be a lifeline when the responsible driver isn’t found. It can help pay for – vehicle repairs, medical bills, and other damages.
How does UM coverage work in a hit and run case?
If you’re hit by a driver who flees the scene – your UM coverage steps in. Whether you’re driving your vehicle – riding as a passenger or even walking as a pedestrian – your uninsured motorist insurance can apply.
This coverage guarantees that you won’t have to shoulder medical expenses, car repair costs, and other related damages on your own. If the accident left you or a passenger injured – UM insurance will cover medical expenses and related costs.
Who is covered under UM insurance?
UM insurance usually covers more than just the policyholder. It can extend to your – spouse, children, and any other relatives living in your household.
Even a friend borrowing your car with permission is covered. This wide range of coverage can be a relief when an accident happens – especially in complex hit and run cases where the at-fault driver remains unknown.
Why you need a hit and Run Accident Lawyer?
Even with UM coverage, dealing with an insurance claim after a hit and run can be complex. Insurance companies sometimes push back on paying full compensation. This is where having a hit and run accident lawyer becomes vital.
An attorney can –
Guide you through the process
Help you gather evidence
And negotiate with the insurance company on your behalf
Without a lawyer – you might not receive the compensation you deserve for your – injuries, vehicle damages, or other losses.
What if you don’t have UM insurance?
Not everyone opts for uninsured motorist coverage – even though it’s a smart choice. If you don’t have this coverage or your expenses exceed your policy limit, there are still options.
For instance – if you have MedPay insurance – it will cover your medical bills regardless of who caused the accident. You can use this in hit and run cases as well. Additionally, collision coverage can help pay for vehicle repairs – even if the at-fault driver is unknown.
Steps to take after a hit and run crash
After a hit and run – your safety is the top priority. Move to a safe area if you can – and call the police immediately to report the incident. Their report can be a valuable piece of evidence for your case.
If you’re able, gather information from any witnesses and take photos of the scene and any damages to your vehicle. Once you’ve done this – contacting a hit and run accident attorney is a smart move.
An attorney can help you navigate the legal process, file a claim, and ensure that your insurance company treats you fairly.
How a personal injury lawyer can help?
An experienced hit and run accident attorney can make or break your case. They can – investigate the accident further, work with experts to uncover evidence – and build a strong case for your compensation. For those in the Atlanta area – working with an Atlanta personal injury attorney who knows the local laws and processes can be great.
Consultations and contingency fees
Most personal injury lawyers – including hit and run accident lawyer – offer free consultations. This means you can discuss your case without any obligation.
Plus, many work on a contingency basis—you don’t pay unless they win your case. This makes it easier for you to get the legal help you need without worrying about upfront costs.
Final thoughts
A hit and run accident can turn your life upside down – leaving you with injuries, medical liability, and emotional stress. But having uninsured motorist coverage and seeking help from an experienced attorney can be a big help. If you’re in this unfortunate situation, take action quickly. Talk to a hit and run accident attorney and explore your insurance options.
