My wife was involved in a hit-and-run today, and we’re figuring out our next steps. Thankfully, she managed to note the license plate number of the driver before they fled. She seems to be okay, but we’ve decided to have her evaluated by a chiropractor just to be safe. The damage to her car is relatively minor, primarily affecting the rear bumper and quarter panel. For context, we’re in Minnesota, which is a no-fault state.
This is my first experience dealing with insurance claims. The chiropractor mentioned that many people choose to hire a lawyer in these instances, especially since the other driver didn’t provide their insurance information. I’m uncertain about the whole process and whether it’s necessary to involve a lawyer. Is there a chance we could benefit from this situation, or would any settlement just cover our $500 deductible?
I have a few specific questions:
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Is it worth it to file an insurance claim? If we do and manage to get a new bumper, will our premium likely increase next year, even though it was a hit-and-run and she wasn’t at fault?
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Given the circumstances, is hiring a lawyer excessive? I assume legal representation is more suited for serious injuries or total losses.
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Do you have any other advice? Since I have no prior experience with insurance claims or legal matters, I feel quite overwhelmed.
I’m really sorry to hear about your wife’s experience—I’m glad she’s doing okay after the incident. Navigating insurance and potential legal issues can certainly feel overwhelming, especially for the first time. Here are some thoughts regarding your questions:
Claiming Through Insurance: In no-fault states like Minnesota, insurance claims can be a bit different. While your wife’s insurance should cover her medical expenses and any damages to her vehicle regardless of who was at fault, claiming through insurance might lead to a premium increase, even if she is not at fault. However, since the incident involves a hit and run, your insurer may see it as a less risky claim than other types of at-fault claims. It might be worth calling your insurance company to understand how this could affect your premium specifically, as each insurer has different policies.
Hiring a Lawyer: In many cases, hiring a lawyer for minor injuries or less costly damages might not be necessary. If your wife’s injuries are minor and her car damage is minimal, you might be able to handle the insurance claim yourself. A lawyer could help if you face difficulties in getting compensation from the insurance company or if there are unseen complications, but for straightforward cases, it’s often manageable on your own. If you think she might have any lingering issues with her health, or if you’re unsure about how to navigate the claims process, consulting with a lawyer for a brief meeting could be beneficial.
Other Suggestions: Here are a few additional steps you could take:
Ultimately, it’s important to do what feels right for you and your wife in this situation. Don’t hesitate to reach out for help, whether from your insurance agent or a local consumer protection agency, to make sure you have all the information you need. Wishing you the best as you navigate this situation!