Being the victim of a hit-and-run accident can be a devastating experience. Many victims believe they have no way to recover compensation if the driver is never located, but this is not always the case.

According to the National Highway Traffic Safety Administration (NHTSA), in a recent four-year period:

• 1 in 8 accidents nationwide was a hit-and-run.
• There were 366,000 hit-and-run accidents in the Northeast alone.
• Nearly 80% of these accidents involved property damage only.

Unfortunately, hit-and-run accidents often result in serious injuries or fatalities, especially when pedestrians or cyclists are involved. Many victims are left on the side of the road without immediate medical assistance, increasing the severity of their injuries.

Why Do Drivers Flee the Scene?  

The most common reason for drivers fleeing an accident is panic. However, many hit-and-run drivers:

• Were intoxicated at the time of the crash.
• Have prior traffic violations such as reckless driving or speeding.
• Want to avoid arrest or prosecution due to license issues or outstanding warrants.

Recovering Compensation After a Hit-and-Run  

Even if the hit-and-run driver is never found, you may still be able to recover financial compensation. In Connecticut, auto insurance policies include Uninsured Motorist (UM) coverage, which:

• Covers injuries to you, your passengers, and family members.
• Applies if you are hit by an at-fault driver who is either uninsured or cannot be identified (hit-and-run).
• May extend to policies held by family members in your household.

The Importance of UM/UIM Coverage  

Uninsured/Underinsured Motorist (UM/UIM) coverage is one of the most important types of insurance you can carry. This coverage protects you in case of an accident with:

• An uninsured driver.
• A hit-and-run driver who cannot be located.
• A driver whose insurance is insufficient to cover your damages.

Many experts recommend purchasing at least a $1 million umbrella policy to provide extensive UM/UIM protection. The cost of this coverage is relatively low compared to the financial security it provides.

What to Do After a Hit-and-Run Accident  

If you are involved in a hit-and-run accident, take the following steps to protect yourself and your claim:

1. Assess your injuries and contact the police immediately.
2. Provide as much information as possible about the vehicle and driver.
3. Make sure all witnesses are identified and give statements to the police.
4. Seek legal advice from an experienced injury lawyer.
5. Report the accident to your insurance company as soon as possible—there may be time limitations on filing a claim.

Protect Yourself  

A hit-and-run accident can leave victims feeling helpless, but you have options. Reviewing your insurance policy before an accident occurs is essential to ensure you are adequately protected.

If you or a loved one has been the victim of a hit-and-run accident, don't wait to take legal action. Contact Hastings, Cohan & Walsh, LLP today for a free consultation. Our Connecticut hit-and-run attorneys are dedicated to protecting your rights and ensuring you receive the compensation you deserve.

Call 203-438-7450 to schedule your free consultation today or visit www.hcwlaw.com to learn more.