Car Accident Lawyer Memphis, TN
Hit-and-run accidents can seem unfathomable. How could that driver have caused this damage and then simply taken off? The sad truth is, it happens all the time.
Before you call a lawyer, here’s what to keep in mind.
What do I do first?
Even if you do not believe you have been seriously hurt, you should still call for help. Stay at the scene and dial 911. The report from law enforcement will bolster your case as you work through the claims process with your insurance company.
The next thing to do is write down as many distinguishing details about the other driver and vehicle that you can remember:
- Make, model, and color of the vehicle
- Licence plate number
- Last-seen direction the vehicle was moving in
- Time and location of the crash
If it’s safe to do so, get out of the car and take photos of any damage. If you have any injuries – even minor ones – take photos of those too.
Are there any witnesses around? Try speaking to them to understand what they saw. Encourage them to stay and speak to police. If they refuse, at least try to exchange contact information with the witness.
Will my insurance cover the damages?
If the other driver is not located, your insurance will bear the brunt of damages on your claim.
The following coverages most often apply to hit-and-run crashes:
- Uninsured motorist bodily injury coverage
- Uninsured motorist property damage coverage
- Collision coverage
- Comprehensive coverage
If your insurance policy covers only basic liability, you may not be covered for the costs related to the hit-and-run accident. It’s important to note that uninsured motorist coverage is not required in all states. And states that offer uninsured motorist bodily injury coverage may not offer uninsured motorist property damage coverage.
Will I have to pay my deductible?
With several types of policies at play in a hit-and-run accident, whether or not you pay for a deductible will depend on lots of factors. For example, if you make a claim under your uninsured motorist bodily injury coverage, you may not need to pay a deductible. But if you file a claim on multiple coverages (like collision and personal injury protection) then you may pay several deductibles.
Do I need legal representation for my case?
Car accidents happen. Whether both drivers stay at the scene, the process that follows the crash can be a long journey to getting your life back on track.
Don’t DIY your recovery and settlement. Call a car accident lawyer Memphis, TN trusts today to discuss your case and get the help you deserve. We will fight to get you the insurance settlement that doesn’t just take the crash into account, but takes your life into account. We understand how this accident has impacted your life. Let a lawyer help you get back to the things you love.
Thank you to our friends and contributors at Darrell Castle and Associates, PLLC for their insight into hit and run accidents.