Have you ever walked out of the store to find your vehicle damage, and no note or anyone that saw the accident occur? What happens from here? Well the first thought that comes to every one's mind is call the police. Unfortunately because this usually occurs on private property they will not respond. Here is the catch, ALL hit and runs have to have a police report done within 24 hours to fall under Uninsured motorist coverage (stated in your policy). If this report isn't done there is a risk of the coverage being denied(if you only have liability) or covered under your collision coverage(filled as an at fault accident). If the claim is filled under collision there are discounts or rewards that would be lost. So if this happens to you, please drive to the nearest law enforcement facility and file a police report (there must be a case number), fill out an accident form (located on this blog top right) and then call us for the insurance steps.
Hit and runs
Have you ever walked out of the store to find your vehicle damage, and no note or anyone that saw the accident occur? What happens from here? Well the first thought that comes to every one's mind is call the police. Unfortunately because this usually occurs on private property they will not respond. Here is the catch, ALL hit and runs have to have a police report done within 24 hours to fall under Uninsured motorist coverage (stated in your policy). If this report isn't done there is a risk of the coverage being denied(if you only have liability) or covered under your collision coverage(filled as an at fault accident). If the claim is filled under collision there are discounts or rewards that would be lost. So if this happens to you, please drive to the nearest law enforcement facility and file a police report (there must be a case number), fill out an accident form (located on this blog top right) and then call us for the insurance steps.