Hit-and-Run Incident
I was involved in a hit-and-run accident on the highway, where a reckless driver hit my car and sped away. After they struck me, I managed to pull over onto the same street to assess the damage, which included severe scratches and a broken driver’s side mirror. As I was getting out to take pictures of my car and their license plate—which was already fleeing the scene—the driver unexpectedly hit my car again while I was outside, causing even more damage to my driver’s door and fender, rendering the door unable to close.
Now I’m trying to call the police, but I have to hold my door open since it won’t close, all while attempting to steer my car. I tried following them at a distance to note their license plate, but as I turned onto the same street as them, they suddenly brake-checked and crashed into me on purpose. It’s absolutely outrageous; my car, which I rely on for work, is now totaled. The driver is actually only a year younger than me.
While no police report was filed, I have submitted insurance claims. However, I suspect that they have been dishonest with both the police and their insurance, as they were driving aggressively, speeding off the highway ramp, and caused significant damage to my vehicle—scratching the side, breaking my door, destroying my passenger side wheel, and triggering my airbags. Unfortunately, I only have liability insurance.
I’m wondering about my options for legal action against this person. Is it possible to sue even though I don’t have any major injuries? I reported some bruising and minor issues, but nothing severe—though I’m certain he’s claiming injuries too, despite jumping out of the car without any visible troubles. I recorded everything on my phone, so I have some evidence. As someone who drives commercial trucks, I worry about the impact this situation could have on my career because some reckless person decided to treat the road like a bumper car game. What steps can I take?
I’m really sorry to hear about your experience; that sounds incredibly frustrating and stressful. Here are some steps you can take to address the situation:
Document Everything: Since you already recorded the incident, make sure to keep all evidence, including photos, videos, and any statements you may have gathered. This documentation can be crucial for any legal actions.
Consult with an Attorney: It would be wise to speak with a personal injury or automobile accident lawyer. They can help you understand your rights and options for pursuing a lawsuit, even if there are no serious injuries. They can also advise you on how to deal with insurance companies.
File a Police Report: Although the initial incident didn’t result in a police report at the time, you can still file one now. Providing any evidence you have, like your video or any witness statements, can help strengthen your case.
Contact Your Insurance Company: Since you have liability insurance, file a claim to help cover your damages. Be honest and detailed about the events and damages incurred.
Seek Medical Attention: If you haven’t already, consider getting a medical evaluation for your injuries. Even if they seem minor now, having medical documentation can be helpful if you decide to pursue a claim.
Consider Small Claims Court: If the damages are within the limit for small claims in your area, you might be able to file a claim there without needing a lawyer. This can be a more straightforward path to seek compensation.
Look into Uninsured or Underinsured Coverage: Check if your insurance offers uninsured/underinsured motorist coverage. Depending on your policy, this could help cover the costs incurred from an accident with someone who doesn’t have sufficient insurance.
Stay Persistent: Keep following up with your insurance company and any legal representatives. It may take time, but persistence can pay off in ensuring that you get the compensation you deserve.
Remember, you have rights, and there are steps you can take to hold the responsible party accountable. Good luck, and I hope you get the resolution you need!