Hit And Runs – Another Reason To Purchase UM Protection!
It is bad enough to be involved in a car accident, but at least you are usually able to exchange insurance and contact information with the other driver to be able to get it settled. Unfortunately, there are situations where the other driver will immediately flee the scene without you even having a second to process what just occurred or being able to retrieve any identification information. Hit and runs can still be valid cases in certain situations, so no need to lose all hope.
In most cases, hit and runs are not worthless lawsuits because there are still avenues to receive compensation for your injures despite not having any information from the at fault driver. One of the main aspects of accident cases is establishing fault. The insurance companies need to make sure that their insured is actually the at-fault driver, or vice versa. If a driver hit you and fled the scene, that’s automatically an admission of fault on their part, regardless of how the accident actually occurred. Therefore, when seeking compensation, it will be assumed that you are not at fault for the accident.
In a previous article we posted, we spoke about the importance of UM coverage for your insurance policy. One of the main reasons why it is always beneficial to purchase it is to make sure you are protected in case you are involved in a hit and run accident. UM, uninsured motorist, coverage comes into play when the other driver is uninsured or under insured and if the driver flees the scene, it is also considered uninsured. Since you are unable to contact the other driver’s BI insurance (at-fault coverage), you can receive compensation for your injuries if you have UM coverage on your own insurance policy. The same way your attorney would negotiate a settlement from another driver’s policy is the same way he will reach as settlement with yours.
If you are a victim of a hit and run, you may not be completely out of luck. The Law Office of Andrew G. Rosenberg,
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