Hit and Run Insurance Claims: Understanding Your Options

A hit and run accident occurs when a driver involved in a crash leaves the scene without exchanging insurance information or contacting the authorities. This type of accident can be particularly frustrating for victims, as they may have trouble proving who was at fault and obtaining compensation for their damages. However, there are several options for recovering damages in the event of a hit and run accident, including insurance claims. In this article, we will discuss the different types of hit and run insurance coverage and what you need to know about making a claim.

What types of insurance coverage exist for hit-and-run victims?

• Uninsured Motorist Coverage

Uninsured motorist coverage is an optional type of insurance that can help you recover damages in the event of a hit and run accident. This coverage is designed to help you pay for damages if the other driver is uninsured or if the driver cannot be identified. Most states require drivers to carry a minimum amount of uninsured motorist coverage, but you can usually choose to purchase higher levels of coverage if you prefer.

• Collision Coverage

Collision coverage is another type of insurance that can help you recover damages in the event of a hit and run accident. This coverage pays for repairs to your vehicle if you are in an accident, regardless of who is at fault. If you were in a hit and run accident and your vehicle was damaged, collision coverage can help you pay for repairs.

• Comprehensive Coverage

Comprehensive coverage is a type of insurance that covers damages to your vehicle that are not the result of a collision. For example, if your vehicle was damaged in a hit and run accident by someone who threw a rock through your window, comprehensive coverage can help you pay for repairs.

How do the laws in Kentucky affect hit-and-run claims?

In Kentucky, the laws regarding hit and run accidents can impact your potential claim in several ways. Some of the key considerations include:

• Reporting Requirements: Kentucky law requires drivers involved in an accident to stop at the scene and exchange information with the other driver. If the other driver cannot be found, the driver must still report the accident to the police within 24 hours. Failure to do so can result in criminal charges and can also impact your ability to recover damages in a hit and run case.

• Statute of Limitations: Kentucky has a statute of limitations for filing a personal injury claim. This means that you have a limited amount of time to file a claim after a hit and run accident. If you miss the deadline, you may be barred from seeking compensation.

• Comparative Fault: Kentucky is a comparative fault state, which means that the amount of damages you are eligible to receive can be reduced based on your degree of fault in the accident. If you were partially at fault for the hit and run, your damages may be reduced accordingly.

• Uninsured Motorist Coverage: In Kentucky, uninsured motorist coverage is optional, but it can be a valuable resource for hit and run victims. This coverage can help you recover damages if the other driver cannot be identified or is uninsured.

• Evidence: In a hit and run case, evidence can be critical in determining fault and establishing liability. In Kentucky, the burden of proof is on the plaintiff to prove that the other driver was at fault for the accident. An attorney can help you gather and present the necessary evidence to support your case.

An experienced Kentucky attorney can help with a hit and run case in several ways:

• Investigation: An attorney can conduct an independent investigation into the accident to gather evidence and identify the responsible party. They can also gather witness statements and obtain any other relevant information that can help strengthen your case.

• Legal Advice: An attorney can provide you with legal advice on your rights and options. They can help you understand the laws surrounding hit and run accidents and explain the legal process for seeking compensation.

• Insurance Claims: An attorney can assist you in filing an insurance claim for a hit and run accident. They can help you navigate the complex insurance claims process and negotiate with the insurance company to ensure you receive a fair settlement.

• Litigation: If a settlement cannot be reached, an attorney can represent you in court. They can build a strong case and advocate on your behalf to help you recover the compensation you deserve.

• Representation: An attorney can represent you in negotiations, court proceedings, and other legal proceedings related to your hit and run case. They can protect your rights and interests, and ensure that you receive fair treatment throughout the process.

Hit and run accidents can be frustrating and difficult to resolve, but there are options for recovering damages. An experienced attorney can provide valuable assistance in a hit and run case by conducting investigations, offering legal advice, assisting with insurance claims, representing you in court, and protecting your rights. Hiring an attorney can help increase your chances of obtaining a favorable outcome in your hit and run case. Powell Klausing has helped numerous victims of hit-and-run accidents obtain justice. Give us a call to see if we can be of assistance in your case.