One of the many complications that arise in the event of a hit-and-run accident is that sometimes the offending driver never materializes after driving away from the scene of the wreck, leaving no one around to take the blame. For the driver who remains at the scene, securing insurance compensation for the accident becomes a bit trickier than in a typical case. However, you still should be able to secure compensation as long as you have the appropriate auto insurance.
Drivers in no-fault states are able to make a no-fault claim with their own insurer for compensation for hit-and-run incidents. Collision coverage covers hit-and-run cases in some states, but it is insufficient in many states. In many other states, such as in Virginia, collision coverage does not apply to a hit-and-run case. Instead, you will need to have uninsured motorist coverage.
Uninsured motorist insurance claims largely are made by drivers when accidents are the fault of drivers who have no insurance or insufficient insurance to cover the amount of your claim, but they also apply to hit-and-run accidents when the driver at fault never is identified. In some states, uninsured motorist coverage is required, but it is not in Virginia. You can choose to have both uninsured motorist property damage coverage (for damage to your vehicle) and uninsured bodily injury coverage (for medical issues arising from an accident). If you are the victim of a hit-and-run in Virginia and have those lines of coverage, you can submit uninsured motorist claims to your insurer.
There are a number of details that your insurance carrier may require of you when you make this type of claim. For instance, you may need to demonstrate that you have made sufficient effort to identify and locate the other driver. Some insurance policies may require you to have made a police report about the accident within a certain amount of time after it occurred.
The process to make a claim in the aftermath of a hit-and-run can prove complex and involve a significant amount of investigative work, including depositions of any witnesses, so you will want to consider hiring an experienced attorney to help guide you through the process and ensure that you put your best foot forward in securing a settlement from your insurance provider that you deserve.