Navigating an Uninsured Hit-and-Run Incident in California: Essential Steps and Considerations
Today, I found myself involved in a minor vehicle accident that has left me with several questions and concerns. As I was approaching a stop sign, another driver was pulling out of a parallel parking spot and unexpectedly collided with the middle of my vehicle, damaging the front passenger side door.
Fortunately, I managed to exchange information with the driver—he provided his phone number and address, and I took photographs of the impact and his vehicle’s license plate. I also shared my insurance details and driver’s license. However, since then, he has ceased answering my calls and hasn’t provided any additional information.
Immediate Actions Taken
Upon the incident, I contacted the police, who informed me that since there were no injuries, they wouldn’t need to come to the scene. I promptly filed a claim with my insurance company, Geico, and am awaiting guidance on the next steps.
Key Questions and Next Steps
Given the circumstances, I’m seeking advice on the following issues:
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Should I continue pursuing this driver for additional information?
While I have his contact details and a license plate, I wonder if persistent follow-up will make a difference or if I have already sufficient information to proceed with my insurance claim. -
Is it necessary to file a police report for a hit-and-run?
California law suggests that a police report is required if someone was injured or damages exceed $1,000. I’ve begun experiencing neck and back stiffness, which may indicate injury, but it’s unclear if this qualifies. I also need to know how to obtain an official damage estimate, especially considering the reporting deadline is within ten days. -
Does the visible damage likely exceed $1,000?
Assessing damage via photos, is it reasonable to assume the repair costs will surpass that threshold? -
What should I expect moving forward?
Will Geico cover the damages? How long might it take to receive a resolution? Am I adequately protected, or should I take additional steps?
Final Thoughts
This incident highlights the importance of gathering as much information as possible immediately after an accident and understanding your rights and responsibilities under California law. I’ll update this post with photos as soon as I can and share any further developments.
Stay tuned for more updates and advice on handling insurance claims after hit-and-run incidents in California.
