The risk of an accident is something every driver must accept when they get behind the wheel. If we are unfortunate enough to be involved in an accident, we deal with the situation as best we can. We call the police, exchange insurance information, get treated for any injuries, and call an attorney. But what do we do when the situation is complicated by the fact that the other driver left the scene of the accident? What should we do if we are the victim of a hit-and-run?

1. Call the police. Leaving the scene of an accident is illegal. The police may be able to help track down the culprit. You will also need to report the accident for the insurance company.

2. Record any information you can gather. Write down anything you remember about the vehicle that hit you – license plate (even a partial), color, make, and model. Make notes about the appearance of the driver. Take pictures of your vehicle and the scene of the accident. Get names and contact information of any witnesses.

3. Do not chase. As tempting as it may be to chase down the car that hit you, it is not a good idea. You’re more likely to cause another accident than catch them.

4. Call your insurance company. Your particular coverage will determine if the insurance company will pay for any damages or medical expenses. A lot depends on if you have Uninsured Motorist (UIM) coverage. After you finish reading this newsletter, it would be a good idea to check your policy with your insurance agent to see if you carry adequate coverage.

5. Call an attorney. An attorney can help you deal with the insurance company and may be able to help track down the driver who hit you.