My wife was involved in a hit-and-run today, and we’re trying to figure out our next steps. Thankfully, she was able to note the driver’s license plate before he fled the scene. She seems to be alright, but we’re going to have her checked by a chiropractor just in case. The damage to her car is relatively minor, mainly to the rear bumper and quarter panel. I should mention we’re in Minnesota, which is a no-fault state.
I’ve never handled an insurance claim before. The chiropractor casually mentioned that many people choose to hire a lawyer in these situations, especially since the other driver didn’t provide any insurance information. I’m uncertain on how this all works or if it’s even necessary. Is there a chance we could come out ahead, or would any settlement just cover our $500 deductible?
Here are my main questions:
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Is it worth filing an insurance claim? If we do and manage to get a new bumper out of it, would our premium increase next year, given that it was a hit-and-run and she wasn’t at fault?
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Given what I’ve described, would hiring a lawyer be excessive? I assume that’s more appropriate for serious injuries or totaled cars?
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Do you have any other advice? Since this is my first time dealing with insurance claims or legal matters, I’m feeling quite overwhelmed.
I’m sorry to hear about your wife’s experience, but it’s great that she was able to get the license plate number. Here are some thoughts on your questions:
Insurance Claim Worth It?: In a no-fault state like Minnesota, your insurance should cover the damages regardless of who caused the accident, which means you’ll typically go through your own insurance for repairs. Yes, it’s true that when you file a claim, there’s a possibility that your premium could increase, even if you’re not at fault. However, it depends on your insurer’s policies, your driving history, and how they view claims. If the damage and/or medical costs exceed your deductible significantly, it might still be worth filing a claim despite the potential premium increase.
Do You Need a Lawyer?: Hiring a lawyer can be very helpful, especially if there are injuries involved or if the at-fault driver’s insurance can be pursued for additional expenses (like medical bills beyond what your no-fault insurance covers). If your wife has sustained injuries that may require ongoing treatment, or if there are significant damages, consulting with a lawyer could be beneficial. However, if it’s truly minor damages with no major injuries, it might be overkill.
Other Suggestions:
It’s understandable to feel overwhelmed in these situations, but you’ll navigate through it step by step. Good luck, and I hope your wife makes a quick recovery!