Being struck by a hit-and-run driver can be stressful for Michigan drivers both in the moment and after leaving the scene of an accident. Fortunately, there are certain steps to take following a hit-and-run that will ensure your safety and help preserve your claim through your agent at Guy Hurley McNeil, serving Rochester Hills, MI.

Immediate Actions at the Scene

If you’re involved in an accident in Michigan, you are legally required to file a police report. The police report will be essential in determining fault after a hit-and-run accident. Write down what you can remember

Note any details about the other car that you can remember. This can include license plate number (if possible), make and model of vehicle, color, and anything else you can recall. Take pictures of your damages, as well as the surrounding area.

How Michigan’s No-Fault Insurance Affects Hit-and-Runs

Because Michigan is a no-fault insurance state, your Personal Injury Protection benefits will cover your medical costs associated with the crash. Collision damage from a hit-and-run should be covered under your collision coverage, but uninsured motorist coverage may also apply. If you do not have collision coverage, you will be liable for damages to your vehicle.

Contact Your Insurance Company to File a Claim

Like any insurance claim, Michigan insurance companies prefer you file your hit-and-run claim as soon as possible. Some insurance companies advise reporting the accident within 24-48 hours of its occurrence. Filing too long after the incident can cause your insurance company to question the legitimacy of your claim. Provide your police report number, photos, and any witness information you have.

Hit-and-run accidents are frightening, but taking the proper steps can ensure you are taken care of in Michigan. Contact Guy Hurley McNeil, serving Rochester Hills, MI, for help with your auto insurance needs.