Risk & Business Magazine General Insurance Services Fall 2019 | Page 25

HIT-AND-RUN What To Do After A Hit-and-Run B eing involved in any type of vehicle collision can spur some pretty basic human instincts. For some that feel they may have done something wrong, their first instinct may be to flee the scene. When you’re involved in a vehicle collision and the other driver takes off without exchanging insurance information, this is commonly referred to as a hit-and-run. These incidents can leave you feeling frustrated and wondering what to do next. It’s incredibly important to know what information to collect and whom to contact following an accident. Here are three things you should do in the event of a hit-and-run: 1. RECORD ALL PERTINENT INFORMATION Write down as much of the other vehicle’s information as possible, including its license plate number, make and model, and color. Note the time and location of the hit-and- run. Be sure to record the direction the car was headed post-incident. It’s also important to take photos of the scene and any damage to your vehicle. If there were any eyewitnesses, gather their names and contact information. 2. CALL THE POLICE If you have any questions regarding your auto insurance coverage or would like to review your policies, feel free to reach out. I can be reached at 219.510.6205 or [email protected]. Once all important information has been gathered, call the police immediately to file an accident report. When the police arrive, provide them with a description of the vehicle and the incident as well as the names of any eyewitnesses. 3. CONTACT YOUR INSURANCE COMPANY Once you contact your insurance company, the claims process will begin. If covered under your policy, your insurance company can assist you in getting a tow for your vehicle as well as finding a rental car. In the event of a hit-and-run, never try to follow or apprehend the fleeing driver. What’s more, leaving the scene could cause you to miss eyewitness accounts and may leave law officials questioning who’s really at fault. BY: STEPHANIE DOMAZET, VICE PRESIDENT—PERSONAL LINES, GENERAL INSURANCE SERVICES Stephanie Domazet has worked in the insurance industry since 2004, joining GIS in 2005. She is a member of the Valparaiso Chamber of Commerce, serving on the Board of Directors and Ambassador Committee. In her free time, she enjoys outdoor activities such as boating, skiing, and camping. 25