Have you ever been driving home from work on a Friday evening (excited for your Friday evening plans) with no other care in the world when all of sudden your car (and your drive) come to an abrupt stop?
What if one night, you are involved in a car accident having been hit by another driver? Someone veers right into your lane and hits the side of your vehicle, almost taking your side mirror right off.
The sound was so much louder than you expected.
Fortunately it is not a major accident and there were thankfully no injuries, but you’ve still been in an accident.
You’re likely completely disorientated, shaken and wondering what the flock just happened?!
Maybe this is for your first car accident, so you’re likely also starting to panic, not knowing really what to do.
The vehicle that drove into you stops. You watch them step out of their car to inspect their car, so you step out of yours and prepare to exchange information. But much to your confusion, that person gets back into their car without saying a word to you and drives away from the scene of the accident…a true hit and run.
You have about 10 seconds to figure out your next move before it may be too late.
Try to make out:
- the colour of the vehicle that hit you
- the make and model of the vehicle
- the license plate (even if you only remember part of it)
- and even a description of the person involved (short, tall, older, younger, etc.).
We all have camera phones and this is the time to snap as many shots as you can in a matter of seconds. We also recommend keeping a small coil bound notepad and pen in your glove box in case you ever need to write down important details. Remember, any information may help the police locate the person that drove into you.
Our friends over at Economical Insurance wrote a blog called ‘What to do after a hit and run accident’ and you can read that article by following this link. After you’ve collected as much information as possible, do the following:
- Call 911
- Find out if there were any witnesses. Ask around to see if anyone nearby witnessed the incident. If you do find any witnesses, be sure to write down their contact information in case the police or your insurance company need to reach them.
- Take more photos of your damage. When it is safe to do so, take photos of the scene and any damage to your vehicle. If you paint has transferred onto your vehicle from the other vehicle, make sure you take photos of that, too.
- Report the hit and run to the police within 24 hours. After you report it to the police, you may then be advised to go to a collision reporting centre if there’s one nearby. If you don’t report it to the police, the incident might be considered an “at fault” loss by your insurer.
- Call your broker or your insurance company’s emergency service line. Report the accident to your insurance company as well.
If you are involved in a ‘hit and run’ collision, a claim can still be made with your insurance. A police report can still be filed to help cover the costs of damages to your vehicle, even if the person that is responsible for causing the accident is never located.
With as many details as possible in hand, you may now be thinking to yourself, “how the flock can someone drive into another person and just drive off like that?” Maybe that person was intoxicated, is driving with a suspended license, or maybe that person doesn’t have car insurance. Car insurance is mandatory and it is illegal to drive on without it. Car insurance protects you against financial loss in the event of a car accident, such as a ‘hit and run’ or theft.
There are four mandatory types of car insurance including; liability, accident benefits, direct compensation benefits, and uninsured motorists.
Liability insurance helps provide coverage if you are involved in an at-fault accident in which the other driver sues you.
Accident benefits provide coverage if you or someone in your vehicle is injured in an accident.
Direct compensation benefits help cover the cost of damage to your vehicle in accidents in which you are not at fault or partially at fault.
Uninsured motorist insurance for when you are in an accident with an uninsured driver or a hit-and-run.
At Insurego, we also offer our clients wind and hail damage, family benefits, vandalism, and replacement costs protection.
If your auto insurance policy is coming up for renewal and you’d like us to review your policy to find the best insurance coverage at the best price, please give us a call at 1-844-678-7346 and visit our website today. https://insurego.ca/auto-insurance
*Please note, this article is not intended to be advice. The best advice this blog will give is to call your Broker for advice.