What Do I Do After Being Injured in a Hit-and-Run Accident in Indiana?
Being involved in a hit-and-run accident can be a traumatic and confusing experience. You may be left to deal with vehicle damage, painful injuries, repair and medical costs, and mental stress. Get legal representation to help you build a case, negotiate with insurance companies, and take back some of what you have lost.
The law office of Doehrman Buba Ring, our car accident lawyers, are dedicated to fighting for our clients’ rights and providing the legal support they need after an accident. Our experienced team of personal injury lawyers understands the challenges victims face in a hit-and-run case and works tirelessly to help them pursue justice and secure the compensation they deserve. Contact our offices to schedule your free consultation and see how we can help you.
Why Do Drivers Hit-and-Run?
There are several reasons why drivers choose to flee a car accident scene. Fear is often a primary motivator, as drivers may panic about facing legal consequences or being held financially responsible for the damages.
Some drivers may not have a valid driver’s license or auto insurance, which adds to their anxiety about staying at the scene. Others might flee if they are under the influence of drugs or alcohol, attempting to avoid criminal charges such as a DUI. In some instances, the at-fault driver may be operating a stolen vehicle or have outstanding arrest warrants, and is trying to avoid being arrested by police.
Additionally, some hit-and-run drivers believe they can evade identification and avoid the repercussions entirely, underestimating the legal and technological methods used to track them down. Regardless of the reason, leaving the scene of an accident is a serious offense with significant legal and moral implications.
What Types of Insurance Cover Hit-and-Run Car Accidents?
Insurance companies offer different types of property and medical coverage that can protect you in the event of a hit-and-run crash. Each type provides specific benefits and protections, which are outlined below:
1. Uninsured Motorist Coverage (UM)
Uninsured motorist coverage is designed to protect you if you are in a car accident where the other driver doesn’t have insurance or cannot be identified, such as in a hit-and-run accident. This auto insurance coverage helps pay for medical bills, lost wages, and sometimes vehicle repairs, depending on your policy.
2. Collision Coverage
Collision coverage provides financial assistance for repairing or replacing your vehicle after an accident, regardless of who was at fault. It applies to hit-and-run accidents and ensures that you are not left covering high repair costs out of pocket.
4. Medical Payments Coverage (MedPay)
Similar to PIP, medical payments coverage helps with medical costs resulting from an accident, regardless of who is to blame. Although less comprehensive than PIP, it is another layer of protection to ensure that medical costs are covered after a hit-and-run.
5. Comprehensive Coverage
While comprehensive coverage is primarily known for protecting against non-collision incidents like theft or weather damage, it may also include provisions for hit-and-run situations. It helps cover damages to your vehicle, provided the details meet your policy’s conditions.
By understanding these different types of insurance coverage, drivers can make informed decisions to ensure they are well-protected against the unexpected financial burdens of a hit-and-run accident.
What Steps Should I Take After a Hit-and-Run Accident?
Experiencing a hit-and-run collision can be overwhelming, but taking the right steps immediately after the incident is crucial. These actions can help protect your safety, assist in identifying the responsible party, and ensure smoother processing of any insurance claims. Below, we’ll outline the key steps to follow after a hit-and-run.
1. Ensure Safety and Assess Injuries
The first priority after a hit-and-run collision is safety. Move to a safe location, away from traffic, if possible. Check yourself and any passengers for injuries. If anyone is hurt, call emergency services immediately to request medical assistance. Avoid moving injured individuals unless absolutely necessary, as this could worsen their condition.
2. Call the Police
Reporting the incident to the authorities is vital. Contact your local law enforcement and file an accident report about the hit-and-run. When the police arrive, provide them with as much information as you can, including the time, location, and any details about the fleeing vehicle, such as the make, model, color, or license plate number (if possible). An accident report will be crucial when filing an insurance claim.
3. Document the Scene
If it is safe to do so, gather evidence at the scene of the collision. Take photographs of your vehicle’s damage, the surrounding area, skid marks, and any other relevant details. Record the time and location of the incident. Video footage from a dashcam or nearby surveillance cameras, when available, can serve as valuable evidence. They may capture the offending vehicle’s license plate number or useful images of the other driver. If there are any witnesses, ask them for their contact information and a statement about what they saw.
4. Notify Your Insurance Company
Inform your auto insurance provider about the hit-and-run as soon as possible. Share the police report details and any evidence you’ve collected. Depending on your policy, your insurance may cover damages under uninsured motorist coverage, collision coverage, or comprehensive coverage. Your provider will guide you on the next steps for filing a claim.
5. Seek Medical Attention (if Needed)
Even if you don’t feel injured immediately, it’s wise to consult a medical professional after the incident. Some injuries, such as whiplash or internal injuries, may not show symptoms right away. A medical evaluation will ensure your health is not at risk and provide documentation for any claims related to medical expenses.
6. Follow Up with Authorities and Insurance
Stay in contact with the police to track any updates regarding their investigation into the hit-and-run driver. Simultaneously, maintain communication with your insurance provider to process your claim and ensure all required documents are submitted. Be patient during this process, as investigations and claims can take time.
By following these steps, you can protect yourself and your interests while navigating the aftermath of a hit-and-run collision. Preparation and quick action can help reduce stress and financial strain in such an unfortunate situation.
Can I Pursue Legal Action After Being Injured in a Hit-and-Run Accident in Indiana?
If you’ve been injured in a hit-and-run accident in Indiana, pursuing legal action can help you recover compensation for your injuries and damages. However, the process can be complex, requiring a clear understanding of Indiana’s laws and legal procedures. Below is a detailed guide to help you understand the steps and considerations involved in seeking justice after a hit-and-run accident.
Identifying the At-Fault Driver
If the police successfully identify the other driver, you may have the option to pursue a personal injury lawsuit against them. This process involves gathering and presenting evidence to prove that their negligence caused the accident and your injuries. Evidence may include surveillance footage, witness testimony, and accident reconstruction if necessary. It is important to act quickly, as Indiana’s statute of limitations for car accident claims is two years from the date of the accident.
Filing a Personal Injury Claim
Should the other driver be identified, filing a lawsuit allows you to seek compensation for damages such as medical bills, lost wages, pain and suffering, and vehicle repair costs. Indiana operates under a comparative fault system, which means that your compensation may be reduced if you are found partially at fault for the accident. Hiring an experienced hit-and-run lawyer can help you build a strong case and maximize your compensation.
What If the At-Fault Driver Is Never Found?
Unfortunately, not all hit-and-run drivers are located. If the culpable driver remains unidentified, your ability to recover damages will heavily depend on your insurance policy.
This is where UM coverage plays a critical role. If you do not have UM coverage and the fleeing driver cannot be found, you may be left covering your expenses out-of-pocket, which highlights the importance of carrying sufficient coverage. Check with your insurance company for details about your policy and how it may cover the expenses of a hit-and-run accident.
Key Deadlines to Remember
Under Indiana law, the statute of limitations for personal injury and property damage claims is two years from the date of the accident. This time frame applies to lawsuits against identified drivers, as well as UM claims filed with your insurer. Missing these deadlines can jeopardize your ability to recover compensation, making it critical to act swiftly and diligently.
Why Choose Doehrman Buba Ring as Your Law Firm for a Hit-and-Run Case?
At Doehrman Buba Ring, we understand how overwhelming and stressful a hit-and-run accident can be. That’s why we are committed to standing by your side every step of the way. With decades of experience, our firm has built a reputation for fighting tirelessly to ensure justice and fair compensation for our clients.
We pride ourselves on our personalized approach and will take the time to understand the unique details of your case. When you choose us, you’re not just hiring a law firm—you’re gaining dedicated advocates who genuinely care about your well-being. From negotiating with insurance companies to pursuing legal action, we have the expertise and resources needed to help you achieve the best possible outcome.Start your path to seeking justice and recovering damages with a call to the law office of Doehrman Buba Ring. Schedule a free consultation to see how our attorneys will provide compassionate and dedicated representation for you.
