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Have you been the victim of a hit and run?  Here is how to handle the situation.

 

  • Make sure you are safe.  Check yourself (and others if you are able) for injures and move if you are in danger of getting hurt.

  • Stay calm and do not chase after the vehicle.  It may be tempting to hunt down the driver that left the scene of an accident, but it can be very dangerous.  Leave this to the professionals.  Do take notes about the driver and vehicle if you are able.  Notes about the type and color of the vehicle as well as the direction it was heading can be helpful.

  • Record eyewitness information.  Ask if witnesses at the scene or other people in your vehicle what details they remember about the incident.  Maybe someone got the license plate number.  Don’t forget to get witness names and contact info.  The more information you have for the police the better.

  • Gather information.  Write down the location, date, and time of the incident.  Take pictures of the damage to your vehicle.

  • File a police report.  If you can, call the police within minutes after the accident and wait for them to arrive.  This is where you can give them all the information you have collected.  This will assist them in finding the guilty party in the car accident.

  • Contact your insurance agency.  Let your insurance agent or carrier know that you have been involved in a hit and run accident.  Have your notes and police report handy while doing this. 

 

Uninsured Motorist coverage protects you against losses sustained as result of an uninsured or hit and run driver.  Does your auto insurance policy provide this basic coverage at a limit that protects you?  The professional agents at Davis & Massey Insurance are here for you in the Myrtle Beach and surrounding areas, to help with this and other questions you may have.

 

On the other hand, do not be the bad guy and flee the scene of an accident - even if you think there was no damage.  This is a serious offense and will definitely cause a rate increase or worse with your auto insurance provider.  Not to mention a hefty fine or jail time.

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