Hit and run insurance claims may add another layer of stress to what already can be a trying time for accident victims. Because each case is unique with its own extenuating circumstances, talk with a personal injury claim lawyer on Long Island about the particulars of your claim and what they mean regarding your ability to recover compensation. If you do not have uninsured motorist coverage, you may not be able to recover compensation if the driver is not identified.
A Look at Hit and Run Crashes
According to the New York State Department of Motor Vehicles, there were 134,151 non-fatal personal injury accidents in 2010. This includes accidents in which pedestrians, drivers and/or bicyclists were injured. Additionally, there were 1,119 fatal accidents.
Meanwhile, a 2008 report from the National Highway Traffic Safety Administration (NHTSA) indicates that one in five pedestrians killed is the victim of a hit and run. Insurance claims aren’t only filed on behalf of pedestrians, of course. Motorists and bicyclists also can become victims of these accidents.
An Overview of Hit and Run Insurance Claims
No one expects to be injured in an accident, let alone a hit and run. So one of the first concerns you might have is whether or not your medical expenses and lost wages will be covered. It’s important to contact your insurance company as soon as possible. You also should review your policy carefully.
The good news is that uninsured motorist coverage generally covers hit and run insurance claims. This type of coverage is a requirement in the state of New York. The minimum amount that must be purchased for uninsured and underinsured motorist coverage is $25,000 per person with a total of $50,000 per accident for any bodily injuries sustained.
Uninsured motorist coverage is not only for accidents involving a driver who doesn’t carry insurance, but also for hit and run crashes. This insurance coverage will protect you, whether you are a motorist or a pedestrian.
If you have the minimum coverage and your medical expenses amount to approximately $12,000, you will be covered. But if they exceed $25,000, you will be responsible for the remainder. This is why it’s a good idea to consult a personal injury claim lawyer on Long Island to go over your options if you are injured.
Eventually, the individual responsible for your accident may be caught. This may allow you the opportunity to seek additional compensation by filing an injury claim.
If the driver is caught, you then will have the option to pursue a claim against him or her. In addition to your medical expenses and lost wages, you may be able to seek other damages. Pain and suffering, mental anguish, disability, disfigurement and reduced quality of life are some examples of further damages you may seek.
When you contact your insurance company, be sure to provide any details you have regarding the car and driver that struck you. They would like to find the individual responsible so they can recoup their money through that driver’s insurance company. You also may provide the insurance company with a copy of the police report.
Seeking Help from a Personal Injury Claim Lawyer on Long Island
Even if you have coverage, it still may prove helpful to secure legal counsel, especially if you were seriously hurt in the accident. A personal injury claim lawyer in Long Island at Gacovino, Lake & Associates may be able to help you recoup damages or handle any issues you have with an insurance company. We will review your case and help you better understand the process involved with hit and run insurance claims.
