When a vehicle hits your car and intentionally fails to stop to provide their contact information or to see if property damage or injuries were sustained, this is considered a hit-and-run accident. Hit-and-run accidents are considered a crime and can result in a driver facing serious consequences if they are identified. In this article, we are going to explain how you can recover compensation for your losses when the truck driver has been identified in the hit-and-run accident and even when they have not.
Recovering compensation in a hit-and-run truck accident when the driver has been identified.
After the police have identified who the trucker is that sideswiped your vehicle, then you can initiate the claims process in an effort to recover the compensation you are entitled to. Depending on which state you live in along with the laws that govern hit-and-run accidents, you may need to file your claim with either the driver’s insurer or their employer’s insurer. Because it isn’t always obvious which insurer you should file your claim with, it is best you consult with a Charlotte, NC truck accident lawyer first before you file your claim and provide the insurer with a statement.
In the event you file a claim with the appropriate insurance company, but the carrier is only willing to pay you a portion of what your damages are worth, then this should serve as a sign that it is time to retain a truck accident lawyer in Charlotte.
How to recover compensation in a hit-and-run truck accident when the driver has not been identified.
If the truck driver who sideswiped your vehicle in Charlotte, NC was not identified, you may be able to recoup the money you need from your own insurance policy. Depending on the type of coverage you have, your policy may be able to help pay for the vehicle repairs, medical expenses, and the transportation costs that are associated with the accident. Some of the types of coverage that may be able to help you afford those unexpected expenses you are now obligated to pay as a result of the hit-and-run accident you were involved in include:
- Collision coverage
- Uninsured motorist bodily injury coverage
- Uninsured motorist property damage coverage, which is not available in all states.
- Medical payments coverage
- Personal injury protection
Now, you may or may not have one or more of the coverages listed above as each state has its own laws that govern what the minimum insurance requirements are. If your state required you to purchase one or more of the types of coverage listed above or you elected to purchase it in addition to the minimum coverage, then you may be in luck. In the event your insurance policy includes coverage that will help cover the losses you incurred as a result of the hit-and-run accident, then your next step would be to file a claim with the company.
Now, if the trucker in the future after you filed your claim with your insurer, then your carrier has the right to go after the other party’s insurer for reimbursement for what was paid to you. The term that is used to describe this process is subrogation.
Will I need to hire a truck accident attorney in Charlotte, NC if I was involved in a hit-and-run truck accident?
To find out if your circumstances require the help of a qualified trucking accident lawyer, it is best to schedule an initial consultation with a legal expert in your area. Most of the Charlotte truck crash attorneys USAttorneys.com works with offer free consultations so you won’t have to pay anything out of pocket for this information. To find a lawyer in your city now who can assess your accident and determine if their legal expertise is needed, contact USAttorneys now.