Experiencing a hit-and-run accident can be both infuriating and confusing. When the at-fault driver leaves the scene, you’re left to manage the aftermath alone. Understanding how to file a claim in Maryland can help you take the right steps toward compensation.
Start with your insurance coverage
In the aftermath of a hit-and-run, your own insurance typically becomes your primary resource. Maryland law requires all drivers to carry uninsured motorist (UM) coverage. This provision helps cover bodily injuries and property damage when the responsible driver cannot be identified. If your policy includes collision coverage, it may also address vehicle repairs.
Promptly report the incident to your insurance provider. Share all relevant details, such as the time and location of the crash, descriptions of the vehicle involved, and contact information for any witnesses. Submitting photos of the scene and visible damage can strengthen your claim.
The role of police reports
Filing a police report is essential after a hit-and-run. Not only does it provide documentation for your insurer, but it may also assist in locating the fleeing driver. Most insurers require this report within 24 to 48 hours. Be thorough and truthful when recounting the event. If authorities later identify the driver, your insurer may seek reimbursement through subrogation.
What compensation can you receive?
If your policy includes UM coverage, you may be eligible for compensation related to medical costs, lost income, and emotional distress. Collision coverage, if applicable, can help with vehicle repair expenses. Retain all records, receipts, and medical documentation connected to the accident.
Your path to compensation depends on your policy’s terms and the nature of your losses. Maintaining open communication with your claims adjuster can help expedite the process.
Even when the responsible party vanishes, your legal and financial options remain. Comprehensive documentation, timely reporting, and a clear understanding of your insurance benefits can support your recovery efforts. Stay organized, gather facts, and document all related interactions.