A hit and run accident can be a very frustrating experience whether it happens on the road or in a parking lot. Who will pay for the repair? Should I contact the police or my car insurance provider first? These questions are uppermost in minds of the driver whose car has been hit and left in the lurch by the guilty one who has fled the scene.
First, make sure that you and your passengers are not hurt. If anyone is injured, you must call 911 and ask for emergency services right away. Once you have ensured that medical attention, if required, has been organized, you can think about the other details.
Here is a step-by-step guide of what to do if you are ever involved in a hit and run accident in Edmonton.
- Collect as much information as possible: First, note down the date, time and location of the accident. Take pictures of the damage to your vehicle and any evidence of the other vehicle’s paint. Next, gather information of the guilty driver and his/her vehicle. This includes details like car colour, make and model, license plate number and description of the driver, if you were present when it happened. Try and find anyone who may have witnessed the accident and can provide more details or corroborate information you have. Make a note of their contact information as well as what they saw.
- Make a police report: Call the police as soon as possible. Provide them with all the information you have, including witness statements and contacts. This can help them apprehend the hit and run driver. Once a police report has been made, give a copy to your insurance company. This helps establish how the damage occurred, preventing any fraudulent claims. Some insurance companies also require that the report be made within 24 hours of the accident.
- Contact your car insurance provider in Edmonton: If the guilty driver cannot be identified, your insurance may pay for the repair. Only the deductible will be your responsibility. This usually falls under collision coverage. If you do not have this type of coverage in your auto insurance policy, then you will have to pay for it yourself. That is why it is important to find the driver who caused the damage. Since you are not at fault, you do not have to worry about your car insurance premiums increasing on account of the accident.
Auto Insurance in Edmonton: Get Adequate Coverage for Protection from Hit and Run Accidents
To ensure you have adequate auto insurance coverage, contact the experienced brokers at HDF Insurance. Our industry knowledge, experience and network enable us to provide you with the best coverage and rates. We take the time to get to know your needs in order to identify insurance policies that will provide the best level of protection.
As a leading Alberta online brokerage, we have access to a wide range of products to cover all your personal and business insurance needs. From car insurance to home, health, travel and life insurance, you can depend on our personalized advice to identify the right solutions. Count on us to look out for your best interests because we work for you, and not the insurance company.
Contact our full-service brokerage firm at 1-800-567-2048 or request a free quote online. Visit one of our two Alberta locations to learn more about finding the best auto insurance in Edmonton.