Being the victim of a hit and run can be devastating. First, you may be injured. Second, the person that injured you ran away. And now you’re wondering if you make a claim under your own automobile insurance coverage, will your premiums go up?!
The Importance of Uninsured Motorist Coverage
Simply put, they should not go up. If you’ve been hit by a driver that fled the scene in Virginia, you’ll be making a claim against your Uninsured Motorist (UIM) Policy (assuming you purchased it). This is a form of auto coverage that is considered “no-fault,” because you make a claim under it when you didn’t cause the accident. Given that, you did nothing to cause the need for the coverage.
So if you’ve been in this unfortunate situation, reach out to your own automobile insurance company to see if you have UIM and make a claim. You should also, of course, call the police to report a claim. (In fact, most UIM policies require that you had reported the hit and run to authorities to qualify for a UIM claim).
Of course, reach out to BenGlassLaw at (703) 584-7277 if you have any other questions.