When you’re involved in a car accident, the aftermath can be stressful and confusing, especially if the other driver flees the scene. Unfortunately, hit-and-run accidents are all too common on California roads. Knowing how your auto insurance can protect you in these situations is crucial for your mental peace and financial security.
At CF&P Insurance, we’ve helped California drivers navigate the complexities of auto insurance since 1937. In this post, we’ll break down what happens after a hit-and-run, how your policy can help, and what steps you should take to protect yourself.
A hit-and-run occurs when a driver involved in an accident leaves the scene without providing contact information or assisting anyone who may be injured. Hit-and-runs can involve another car, a pedestrian, a cyclist, or even property. In California, leaving the scene of an accident is a serious crime, but unfortunately, it still happens.
If you’re the victim of a hit-and-run, your safety comes first. Here’s what you should do:
Check for Injuries: Make sure everyone in your vehicle is safe. Call 911 if anyone is injured.
Move to Safety: If possible, move your car to a safe spot out of traffic.
Call the Police: Report the accident immediately. A police report is essential for your insurance claim.
Gather Evidence: Take photos of the scene, your car’s damage, and any debris. Write down details like the time, location, and any information about the fleeing vehicle.
Look for Witnesses: If anyone saw the accident, get their contact information and a statement.
Notify Your Insurance Company: Contact your auto insurance provider as soon as possible to start your claim.
California is an “at-fault” state, which means the driver responsible for the accident is liable for damages. But in a hit-and-run, the at-fault driver is unknown, so your own policy becomes your safety net. Here’s how your auto insurance can help:
This is the most important coverage for hit-and-run situations. Uninsured Motorist Bodily Injury (UMBI) and Uninsured Motorist Property Damage (UMPD) can cover your injuries and vehicle repairs if the other driver can’t be identified. In California, insurers must offer this coverage, but you can decline it in writing. If you have it, you’re protected.
Collision coverage pays for damage to your car regardless of who is at fault, including hit-and-run accidents. You’ll need to pay your deductible, but it can save you thousands in repairs.
Also known as MedPay, this optional coverage helps pay for medical expenses for you and your passengers, no matter who caused the accident.
While not required in California, PIP can help cover medical bills, lost wages, and more after an accident.
If you don’t have uninsured motorist or collision coverage, you may be stuck paying for repairs and medical bills out of pocket. That’s why it’s so important to review your auto insurance policy regularly and make sure you’re adequately protected.
Report the Accident: File a police report as soon as possible. Your insurer will need this documentation.
Contact Your Agent: Notify your insurance company and provide all the details and evidence you’ve collected.
Work with Your Adjuster: Your insurer will investigate the claim, assess the damage, and guide you through the process.
Repair Your Vehicle: Once your claim is approved, you can get your car repaired at a shop of your choice.
At CF&P Insurance, our experienced agents are here to help you every step of the way.
While you can’t control other drivers, you can take steps to protect yourself:
As a third-generation, family-owned agency, CF&P Insurance has been serving California drivers for nearly a century. We work with top insurance companies to find the best coverage for your needs and budget. Whether you’re looking to add uninsured motorist protection or want a comprehensive review of your auto insurance, we’re here to help.
Ready to Drive with Confidence? Contact us today for a free quote or policy review. You can also give us a call at (925) 956-7700.
Will my rates go up after a hit-and-run claim in California?
If you’re not at fault, your rates may not increase, especially if you have uninsured motorist coverage. However, every insurer is different, so it’s best to check with your agent.
Is uninsured motorist coverage required in California?
No, but it is highly recommended. Insurers must offer it, but you can decline it in writing. It’s your best protection against hit-and-run drivers.
How long do I have to file a claim after a hit-and-run?
You should file as soon as possible. Most insurers require you to report the accident within 24–48 hours, and a police report is usually necessary.
Can I still file a claim if the hit-and-run driver is never found?
Yes. Your uninsured motorist or collision coverage can help pay for damages even if the other driver is never identified.
CF&P Insurance is here to help you navigate the unexpected. Stay safe, stay protected, and drive with confidence knowing you have the right auto insurance coverage.
