Title: Navigating a Hit-and-Run: What to Do When You’re Rear-Ended by an Uninsured Driver
Experiencing a rear-end collision is stressful enough, but encountering an unlicensed, uninsured driver complicates matters significantly. If you’ve been involved in such an incident, understanding your options and the appropriate steps to take is crucial to protect your rights and minimize financial impact.
Incident Overview
Recently, I was rear-ended on a Saturday by a driver who lacked proper licensing, registration, and insurance. Fortunately, the damage was minor—a scratched rear bumper—thanks to the near-miss nature of the impact. The driver wished to settle privately, avoiding the insurance process. Here’s what I have at my disposal:
- Video footage capturing the incident, including license plate details, and clear images of the driver and passenger.
- Photographs of the vehicle damage.
- Contact information of the driver, along with the passenger’s ID.
Currently, body shops are closed, so I cannot obtain an official repair quote immediately. I am covered through GEICO, with collision coverage included.
Key Considerations Moving Forward
1. Claim Submission Deadlines and Insurance Notifications
The first question is whether I should attempt to get a repair estimate and arrange a settlement on Monday. Typically, insurance policies have specific timelines for reporting claims—often 24 to 48 hours after an incident. It’s advisable to contact GEICO today to notify them of the incident, even if you are exploring private settlement options. Doing so generally does not trigger an insurance claim until you formally file, but it’s important to confirm this directly with your insurer to avoid unintended consequences.
2. Can I Qualify for a Collision Deductible Waiver?
Since the other driver was uninsured, you might wonder if you qualify for a deductible waiver. Under certain circumstances, insurance policies or state laws provide protections for drivers hit by uninsured motorists, including waiving the collision deductible. Review your GEICO policy or speak directly with your agent to establish if this benefit applies in your situation.
3. Impact on Your Premiums
Even if you are not at fault, insurance companies may consider accidents when calculating premiums. However, some insurers do not raise rates for accidents caused by uninsured drivers, especially if you can document the incident thoroughly. Maintaining detailed evidence and promptly informing your insurer can help mitigate potential increases.
Final Recommendations
- Contact your insurance provider promptly to report the incident and discuss your options, including whether
