A hit-and-run leaves you with injuries, damage and no one to hold responsible — at least at first. It is easy to assume there is nothing you can do. In many cases, though, there are still paths to compensation.
This guide explains what to do after a hit-and-run, how uninsured motorist coverage usually works and when an attorney can help.
What usually causes a hit-and-run accident?
Drivers flee for many reasons — no insurance, a suspended license, intoxication, outstanding warrants or simple panic.
- Uninsured drivers. Drivers without insurance may flee to avoid consequences.
- Impaired drivers. Drunk or drugged drivers may leave to avoid arrest.
- Unlicensed drivers. People with suspended licenses or no license may flee.
- Panic. Some drivers simply panic, especially after hitting a pedestrian or cyclist.
Who can be held liable for a hit-and-run accident?
The fleeing driver is responsible, but if they are not found, your own coverage is often the main source of compensation.
- The fleeing driver. If police identify them, a claim against their insurance may be possible.
- Your uninsured motorist coverage. Often applies when the at-fault driver cannot be identified.
- Your PIP or medical payments coverage. May help pay medical bills regardless of fault.
- A household member's policy. In some cases, a relative's policy may cover you.
How fault is shared depends on your state. Most states reduce compensation by your share of fault, while a few bar recovery if you were even slightly at fault. Read how comparative fault works or find your state below.
What damages may be recoverable after a hit-and-run accident?
Depending on the facts and your state's laws, a hit-and-run accident claim may include the following kinds of losses. No one can promise an amount — every case is different.
- Medical bills. Emergency care, hospital stays, doctor visits, therapy, medication and — in some cases — future treatment.
- Lost wages. Income you missed while recovering, and possibly reduced ability to earn in the future.
- Pain and suffering. Physical pain, emotional distress and the impact on your daily life. Some no-fault states limit this unless injuries meet a threshold.
- Property damage. Repair or replacement of your vehicle and personal property damaged in the crash.
- Out-of-pocket costs. Travel to appointments, help at home, rental cars and similar expenses.
Hit-and-run claims often depend on your own policy. UM coverage may pay for injuries the at-fault driver should have covered, subject to your policy's limits and terms. Some policies require physical contact or independent witnesses for hit-and-run UM claims.
What evidence should I collect after a hit-and-run accident?
The best evidence is gathered early — before memories fade and footage is deleted. If you can, collect or keep:
- A police report filed as soon as possible
- Any part of the plate number, the vehicle's color, make and model
- Witness names and phone numbers
- Nearby cameras — traffic, business, doorbell and dashcam footage
- Debris or paint transfer left at the scene
- Medical records and photos of injuries
How long do I have to file a hit-and-run accident claim?
Hit-and-run claims follow your state's injury deadline, but insurance policies often require you to report to police and your insurer within a short time. Do not wait.
See the state-by-state deadline overview or choose your state on the state laws page.
When should I talk to a lawyer about a hit-and-run accident?
It's usually worth a free consultation if any of these apply to you:
- You were injured and the driver fled
- Your insurer is questioning your uninsured motorist claim
- You were hit while walking or cycling
- The driver was later identified
Many personal injury attorneys work on contingency, so a consultation usually costs nothing up front. Learn how contingency fees work.