Help with Third-Party Claim after Hit and Run
Hi everyone, I could use some advice regarding a situation I’ve encountered. Last night, I was intoxicated and asked a sober friend to drive my car home. Unfortunately, we were struck by a drunk driver who was clearly at fault and driving recklessly. This incident took place just 40 feet from his house. When the police arrived, the driver simply went inside, leaving his vehicle parked outside.
I reported the incident to the police, and they classified it as a hit and run since he retreated to his home. I managed to capture a photo of his license plate and had about 20 minutes of evidence because he lingered at the scene before going inside. Although he didn’t provide me with his insurance information, I obtained his VIN and license plate number, and the driver’s girlfriend mentioned to one of my passengers that he had Progressive insurance.
Based on this information, I’ve filed a third-party claim with his insurance. I’m wondering if anyone has experience with how a third-party claim works in a hit-and-run situation? I believe I have a solid amount of evidence since he remained at the scene for a considerable time. Any guidance would be greatly appreciated! Thanks!
I’m sorry to hear about your situation, but it’s good that you have evidence to support your claim. Here are a few steps to consider as you move forward with your third-party claim:
Insurance Notification: Since you’ve already filed a claim with his insurance, make sure to keep them updated with any additional evidence you have. Provide them with the police report, your photos of the license plate, and any witness statements, including what the girlfriend told your passenger.
Consultation with an Attorney: It might be helpful to consult with an attorney who specializes in auto accidents or insurance claims. They can provide guidance on how to strengthen your case and ensure you are adequately compensated for damages.
Follow Up on the Claim: Keep in close contact with the insurance company handling the claim. Ask for an estimated timeline for how long the investigation will take and what information they might need from you.
Document Everything: Keep meticulous records of all communications with the insurance company, including dates, times, and the names of representatives you speak with. This documentation can be vital should any disputes arise.
Consider Mediation or Arbitration: If the insurance company isn’t cooperating or if you feel your claim is being unfairly denied, mediation or arbitration can be viable options to resolve disputes without going through a lengthy court process.
Understand Your Own Insurance Policy: Check your own insurance policy as well. Depending on your coverage, you may have options like uninsured motorist coverage that can help in hit-and-run situations.
Repair Estimates: Get repair estimates from reputable mechanics, which will help you substantiate the amount of damages you are claiming from the other driver’s insurance.
Remember, insurance claims can take time, so be patient but persistent. Good luck, and I hope you get the resolution you need!