What to Do When Someone Hits Your Car
Being involved in a car accident is an unfortunate and stressful event. It can be even more overwhelming when someone hits your car and drives away without taking responsibility. However, it is crucial to stay calm and take the necessary steps to protect yourself and your vehicle. Here is a guide on what to do when someone hits your car in the United Kingdom.
1. Stay at the Scene: Even if the other party drives away, you must remain at the scene to gather evidence and report the incident.
2. Document the Details: Take pictures of the damage to your vehicle and note down any important details such as the time, date, location, and description of the other vehicle involved.
3. Look for Witnesses: If there are any witnesses present, ask for their contact information. Their testimony can be valuable when dealing with insurance companies or the police.
4. Report the Incident: Call the police to report the hit-and-run incident. Provide them with all the relevant details and any evidence you have collected.
5. Inform Your Insurance Company: Contact your insurance company as soon as possible to report the incident and initiate the claims process.
6. Check for CCTV Footage: If the accident occurred in a public area, check if there are any nearby CCTV cameras that may have recorded the incident. This evidence can be vital in identifying the responsible party.
7. Consult a Solicitor: If you were injured or suffered significant damage to your vehicle, it may be beneficial to consult a solicitor who specializes in personal injury or car accidents. They can guide you through the legal process and help you seek compensation if necessary.
1. Can I claim compensation if the responsible party is not found?
Yes, you can make an uninsured driver claim through the Motor Insurers’ Bureau (MIB).
2. How long do I have to report a hit-and-run?
You should report the incident to the police within 24 hours.
3. Will my insurance premiums increase if I make a claim?
It depends on your insurance policy, but generally, making a claim can result in increased premiums.
4. What happens if I don’t have comprehensive insurance?
You can still make a claim through the MIB, but you may have to pay an excess fee.
5. Should I repair my car before contacting my insurance company?
It is advisable to inform your insurance company first, as they may want to inspect the damage themselves or recommend specific repair shops.
6. What should I do if I am injured in a hit-and-run accident?
Seek medical attention immediately and report the incident to the police and your insurance company.
7. How long does it take to resolve a hit-and-run claim?
The duration varies depending on the complexity of the case, but it can take several weeks to several months.