Hit & Run Accidents
Hit and Run Accident Claims:
How to Get Compensation
When the Driver Fled
Reviewed by: ClaimCheckUSA Legal TeamLast updated: March 26, 2026Reading time: 7 min
Hit and Run Facts
There are over 700,000 hit-and-run crashes in the US every year. Approximately 11% of all crashes involve a driver who flees the scene. The driver is identified in only about 50% of cases. Even if the driver is never found, you may still be entitled to compensation through your own insurance.
Steps to Take After a Hit and Run
1
Stay at the scene and call 911
Never chase the fleeing driver. Call police immediately and get a police report — this is required for most UM claims.
2
Document everything
Photograph your vehicle damage, road conditions, traffic cameras, and any debris left by the fleeing vehicle. Note the direction of travel.
3
Get witness information
Witnesses who saw the other driver or their vehicle are critical. Get names, phone numbers, and ask if they caught any part of the licence plate.
4
Seek medical attention immediately
Even if you feel fine. Adrenaline masks pain. Medical records establish the injury timeline for your claim.
5
Report to your insurer promptly
Most UM policies require you to report hit-and-run accidents within 24–72 hours. Delays can jeopardise your claim.
6
Contact a personal injury attorney
Hit-and-run claims involve UM coverage disputes, police investigations, and potential civil litigation. An attorney maximises your recovery.
Insurance Coverage That May Apply
| Coverage Type | What It Covers | Notes |
|---|---|---|
| Uninsured Motorist (UM) | Bodily injury from hit-and-run | Most states require this to be offered; some require physical contact with the fleeing vehicle |
| MedPay / PIP | Your medical bills regardless of fault | Pays immediately without waiting for investigation |
| Collision Coverage | Vehicle repair/replacement | Subject to your deductible; does not cover medical expenses |
| Comprehensive Coverage | Damage from objects (debris from fleeing vehicle) | May apply if debris caused damage without direct contact |
Victim of a Hit and Run?
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Check My EligibilityFrequently Asked Questions
Can I get compensation if the driver fled and was never found?
Yes. Your own Uninsured Motorist (UM) coverage pays your damages when the at-fault driver cannot be identified. You must report the accident to police and your insurer promptly. Some states require physical contact with the unidentified vehicle; others do not.
What if I don't have UM coverage?
Without UM coverage, your options are limited. MedPay or PIP can cover medical bills. Collision coverage can repair your vehicle. If the driver is later identified, you can pursue a personal injury claim against them. Some states have uninsured motorist funds for hit-and-run victims.
Does leaving the scene affect my claim?
No — you are the victim. The fleeing driver has committed a crime (hit and run), which is a misdemeanour or felony in all US states. This actually strengthens your claim by establishing the other driver's fault and negligence.
What if a witness saw the licence plate?
Excellent — this significantly improves your chances of identifying the driver and pursuing a direct personal injury claim. Provide the plate number to police immediately. Even a partial plate can help investigators identify the vehicle.
How long do I have to file a hit-and-run claim?
UM claims typically must be reported to your insurer within 24–72 hours (check your policy). The personal injury statute of limitations is 2–3 years from the accident date in most states. However, act immediately — evidence disappears quickly.
What if the hit-and-run driver is later identified?
If the driver is identified after you've filed a UM claim, your insurer may pursue subrogation (recovering their costs from the driver). You may also be able to file a personal injury lawsuit directly against the driver.