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Who pays for damages in a hit and run?

Being the victim of a hit and run accident is quite frustrating. The guilty party leaves the scene and often you have no time to even identify the other vehicle. You cannot call California law enforcement and provide them with evidence needed to find the driver. You are left with a damaged vehicle of your own and nobody to be responsible for fixing it. This can be upsetting if you do not have the right insurance coverage that will cover the damage.

According to Insurance.com, in California, you cannot use your uninsured motorist coverage in a hit and run accident. That leaves the only option of using your collision coverage if you have it. If you do not have this coverage, then you will probably have to pay out of your own pocket unless the guilty party is found and held accountable.

While the accident is not your fault, you have to rely on your insurance because the other party did not remain at the scene to take responsibility. It is possible that a witness gathered information that could lead law enforcement to the culprit, but you cannot rely on that happening.

Even more frustrating and worth noting is that there has to have been physical contact between your vehicle and the other vehicle for it to qualify as a hit and run. If, for example, the driver hit another vehicle that then hit yours, it is not considered a hit and run and must be handled differently for insurance purposes. This information is for education and is not legal advice.

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Haberkorn & Associates
2055 Woodside Rd., Suite 155
Redwood City, CA 94061

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