Leaving the scene of an accident is surprisingly common, and in the US, there is a hit-and-run accident every 43 seconds, with 2,900 fatalities recorded in 2022. In many more cases, the other driver sticks around but then fails to report the accident. When this happens, you might feel helpless and uncertain about your next steps.
However, Davis Law Group, P.S., an experienced Seattle car accident law firm, shares several necessary actions to protect yourself after an accident and ensure your claim is handled correctly.
Document Everything at the Car Accident Scene
If you suspect the other driver might not report the accident, perhaps because they are drunk, which is the case in 32% of fatal accidents, thorough documentation becomes even more critical. Take extensive photos of all vehicles involved, the accident scene, street signs, traffic signals, and any visible injuries. Capture images from multiple angles and include close-ups of damage as well as wide shots showing the overall scene. Record the other driver's license plate number, driver's license information, and insurance details if they're willing to share them.
Gather contact information from any witnesses present, as their testimonies could prove invaluable later.
File Your Own Police Report
Even if the other driver leaves the scene or refuses to stay, you should still contact law enforcement if the situation warrants it. Many jurisdictions require police reports for accidents involving injuries, significant property damage, or disputes about fault. When officers arrive, provide them with all the information you've gathered and request a copy of the police report number for your records.
If the police don't respond to the scene due to minor damage or other factors, you can often file a report at the nearest police station within a specified timeframe, typically 24 to 72 hours depending on local laws. It's important to report the accident if you believe the other driver was impaired - 10,903 people died in drug-related crashes in 2021.
Contact Your Insurance Company Immediately
Report the accident to your own insurance company as soon as possible, regardless of whether the other driver files a claim. Your insurer needs to know about the incident and can begin investigating immediately. Provide them with all documentation, photos, and witness information you've collected.
If you have collision coverage or uninsured motorist protection, your insurance company can help cover your damages while they pursue reimbursement from the other driver's insurer. This process, called subrogation, allows you to get your vehicle repaired and medical bills addressed without waiting for the uncooperative driver to act.
Follow Up and Stay Persistent
Don't assume the other driver will eventually report the accident. After a few days, contact their insurance company directly if you have that information. Many insurers have claim hotlines where you can report accidents involving their policyholders. Be prepared to provide the policy number, driver's name, and details about the incident.
Keep detailed records of all communications, including dates, times, and the names of representatives you speak with. If the other driver's insurance company claims they haven't heard from their policyholder, your documented evidence becomes crucial for establishing what happened.
Know When to Seek Legal Help With a Car Accident Lawyer
If the other driver's insurance company denies your claim due to lack of cooperation from their insured, or if you're facing significant medical bills and property damage, consider consulting with a car accident lawyer. A car wreck attorney can help navigate complex insurance issues and ensure you receive fair compensation.
Remember, you have rights even when the other driver won't cooperate, and taking prompt action protects your interests.
