Under Georgia law, a driver has a duty under O.C.G.A. § 40-6-270 to stop at or return to the scene of an accident. Unfortunately, that does not always happen and innocent people are left injured and without recourse against the at-fault driver.
Hit and run accidents are a harrowing experience and can greatly affect the value of a car accident claim. In Georgia, even if you are struck by a hit and run driver who cannot be identified, you can recover damages under your own insurance policy IF you have the right coverage and IF you follow the steps below.
To recover from your own insurance policy in a hit and run automobile accident, you must first have uninsured / underinsured motorist coverage on your automobile insurance policy. This is a separate coverage from your liability or comprehensive coverage. This coverage can be purchased in various amounts from $25,000 and up. Depending on the type of coverage and the amount, this coverage can either stack on top of the at-fault driver’s insurance, or It can provide coverage when the at-fault driver runs from the scene and cannot be identified. Please contact us to learn more about what type of coverage we recommend for our clients and how to navigate the process.
If you have uninsured/underinsured motorist coverage on your insurance policy, you can submit a claim to your insurance company for injuries sustained in a hit and run automobile accident. However, each insurance policy has strict requirements that must be met for coverage to apply. Typically, an insured must report the claim immediately, and 1) call the police and have the accident documented; and/or 2) have visible damage from the collision. Each insurance policy is different so please contact us for more information.