Help with Hit and Run Third Party Claim
I need some advice regarding a hit and run incident. I had a few drinks, so I asked a sober friend to drive my car home. Unfortunately, we were struck by a reckless drunk driver. The accident occurred just 40 feet from the driver’s house. When the police arrived, the driver went into his home and left his vehicle outside.
I reported the incident, and since the driver went inside, the police classified it as a hit and run. Fortunately, I managed to capture a photo of his license plate, and he lingered at the scene for about 20 minutes before retreating into his house. He didn’t provide me with any insurance info, but I was able to file a claim with his insurance using his VIN and license plate. I also learned from his girlfriend that he has Progressive insurance.
I’m looking for guidance on how a third-party claim works in this context, considering it has been documented as a hit and run. I believe I have ample evidence, given that he was present for 20 minutes. Any tips would be appreciated!
It sounds like you’ve been through a challenging situation, but it’s good to hear that you have evidence to support your claim. Here are some steps and advice on how to proceed with your third-party claim:
Contact the Insurance Company: Since you’ve already filed a claim with the suspect’s insurance company using the information you have (VIN, license plate, and witnesses), make sure to follow up with them regularly. Keep records of all communications.
Provide Evidence: Gather all the evidence you have, such as the police report labeling it as a hit and run, photographs of the scene, any witness statements (including those from your passengers), and any additional details regarding the accident. This documentation will be crucial for your claim.
Demand Letter: If the insurance company does not respond satisfactorily, you might want to consider sending a demand letter detailing your damages and injuries, clearly stating that you were involved in a hit and run incident. Include all the evidence you’ve collected.
Understand Your Rights: Depending on your state’s laws, you may still be able to recover damages even if the accident was categorized as a hit and run. Given that you have substantial evidence showing the other driver’s fault, this should work in your favor.
Consult an Attorney: If you encounter difficulties with the insurance company or if your claim is denied, it may be wise to consult with an attorney specializing in personal injury or auto accidents. They can provide legal advice and help navigate the complexities of your situation.
Be Persistent: Insurance claims can take time, especially in complicated cases like this. Stay patient but persistent throughout the process. If necessary, escalate the claim with the insurance company or consider filing a complaint with your state’s insurance commissioner if you feel you’re being treated unfairly.
Check Your Insurance: If you have uninsured/underinsured motorist coverage on your own policy, it may also be worth exploring this option as it might provide additional recovery for your damages.
Remember to keep all your records organized and maintain open communication with all parties involved. Good luck!