Help Needed with Hit and Run Third Party Claim
I’m looking for some guidance regarding a hit and run situation I recently experienced. I had been drinking, so I let a sober friend drive my car home. Unfortunately, we were struck by a drunk driver who was clearly at fault and driving recklessly. The incident occurred just 40 feet in front of his house. When the police arrived, the driver simply went inside his house and left his car parked outside.
I called the authorities, and they classified it as a hit and run since he retreated indoors after the crash. Fortunately, I managed to get a picture of his license plate, and he lingered at the scene for about 20 minutes, giving me ample evidence. Although he didn’t provide his insurance or contact information, I learned from his girlfriend that he had Progressive Insurance, which allowed me to file a third-party claim using his VIN and license plate.
Does anyone have advice on how the third-party claim process works in a case recorded as a hit and run? I believe I have a solid amount of evidence since he was present for so long. Thank you!
It sounds like you’re in a challenging situation, but it seems like you have taken the right steps by collecting evidence and filing a third-party claim. Here are a few pieces of advice on how to proceed with your claim:
Review the Police Report: Ensure you have a copy of the police report, as this will be important documentation for your claim. The fact that the report recorded the incident as a hit-and-run may initially complicate things, but your evidence can help.
Contact the Insurance Company: Reach out to the at-fault driver’s insurance company (Progressive, as you mentioned). Provide them with all your collected evidence, including photos of the license plate, a copy of the police report, and any witness statements.
Provide Detailed Evidence: Since you have evidence that he was at the scene for 20 minutes, make sure you detail what happened during that time. Include any conversations or interactions that occurred. This may help demonstrate that he was aware of the accident before retreating to his home.
Consider Speaking to a Lawyer: If you feel overwhelmed or if the insurance company is giving you a hard time, it might be beneficial to consult with a personal injury attorney. They can provide guidance, negotiate with the insurance on your behalf, and help ensure you receive fair compensation.
Document Everything: Keep thorough records of all correspondences with the insurance company, including phone calls, emails, and letters. Also, keep track of any expenses incurred due to the accident, such as medical bills and car repairs.
Stay Persistent: Third-party claims can take time, and insurance companies may try to downplay your claim. Be persistent and follow up regularly with both your own insurer and the at-fault driver’s insurance company.
Check Your Own Coverage: Depending on your insurance policy, you might have coverage that can help with damages or medical bills, even if the other driver is at fault. Check with your own insurer for options like uninsured/underinsured motorist coverage.
In summary, you have a solid case with your collected evidence, and taking the next steps with the insurance company and possibly consulting a lawyer can help ensure you receive the compensation you’re entitled to. Good luck!