# Does Insurance Cover a Hit-and-Run Crash in Georgia? **Table of Contents***[*Expand*]* 1. What Insurance Coverage Is Available After a Hit and Run in Georgia? 2. How Much Is a Hit-and-Run Claim Worth? 3. What If the Driver Is Never Found? 4. What If the Driver Is Found After You File a Claim? 5. What Happens If the Insurance Company Denies Your Hit-and-Run Claim? 6. Steps to Take After a Hit-and-Run in Georgia 7. Consult a Hit and Run Accident Lawyer Your insurance may cover a hit and run accident in Georgia, depending on the specific types of coverage included in your policy. Tracking down the perpetrator of a hit-and-run can be challenging. If another driver hit you and then fled the scene, an [Atlanta hit and run accident lawyer](https://www.vansantlaw.com/atlanta-ga/car-accident-lawyer/hit-and-run/) from Van Sant Law can identify applicable insurance policies and negotiate for fair compensation on your behalf. ## What Insurance Coverage Is Available After a Hit and Run in Georgia? Insurance may cover a hit and run accident in Georgia. However, the type of coverage available will depend on the specifics of your auto insurance policy, the circumstances of the crash, and whether the at-fault driver can be identified. Several types of insurance coverage may apply, including: - **Uninsured motorist bodily injury coverage**: This may help compensate you for injuries caused by a driver who cannot be identified. Depending on your policy, you may receive compensation for medical bills, lost wages, and pain and suffering. - **Uninsured motorist property damage coverage**: This may help pay for damage to your vehicle caused by an unidentified or uninsured driver. - **Collision coverage**: If you carry collision insurance, it may cover repairs to your vehicle after a hit and run, even if the other driver is never found. However, you will generally be responsible for your deductible. - **Medical payments coverage**: If your policy includes MedPay coverage, it may help pay for certain accident-related medical expenses regardless of who caused the crash. A hit-and-run accident attorney from Van Sant Law can evaluate your case and explain which policies apply. For a free legal consultation, call [770-886-9199](tel:+17708869199) ## How Much Is a Hit-and-Run Claim Worth? There is no fixed value for a Georgia hit-and-run insurance claim. The value of your claim will depend on a variety of factors, such as: - The severity of your injuries - The cost of your past and future medical treatment - The amount of income you lost - Whether your injuries affect your ability to work long-term - The extent of your vehicle or property damage - Your pain and suffering - Available insurance coverage limits A car accident attorney from Van Sant Law can calculate your damages and estimate the total value of your claim. ## What If the Driver Is Never Found? Even if the driver who hit you is never identified, your insurance will still cover the accident as long as you have the right coverage. Under Georgia law, a driver who flees the scene of a crash is treated as an uninsured motorist, so you can file a UM claim with your insurer to recover compensation. You may also use your MedPay and collision coverage (if applicable). For a claim involving an unidentified driver, Georgia law generally requires either physical contact between the fleeing vehicle and your car (or body) or that the accident be corroborated by an independent eyewitness. If a driver forced you off the road without contact, you may still recover if a witness other than you can corroborate what happened. A car accident lawyer from Van Sant Law can investigate your crash and work to locate the driver who hit you. [Click to contact](https://www.vansantlaw.com/contact-us/) our personal injury lawyers today ## What If the Driver Is Found After You File a Claim? If the hit-and-run driver is identified after you file a claim with your own insurance, you can file a claim against the at-fault driver’s auto liability insurance. If the driver is uninsured or underinsured, you will have to rely on your own uninsured motorist or underinsured motorist coverage. If your own insurance company already paid for your vehicle repairs or medical bills through your uninsured motorist or collision coverage, they will usually try to get their money back from the at-fault driver’s insurance company through a process called subrogation. Complete a [Free Case Evaluation form](https://www.vansantlaw.com/contact-us/) now ## What Happens If the Insurance Company Denies Your Hit-and-Run Claim? An insurance company may deny your hit-and-run claim for several reasons, including disputes about coverage, questions about whether the accident occurred as reported, insufficient evidence, or disagreements about the amount of compensation you are seeking. However, a denial does not necessarily mean you are out of options. Depending on the circumstances, you may be able to file an appeal or pursue compensation through another type of coverage. In addition, if the driver is identified, you can file a claim against their insurance and, if necessary, bring a personal injury lawsuit against them. If the insurer continues to deny your claim or offers substantially less than you deserve, a personal injury lawyer from Van Sant Law can advise you on what to do next. ## Steps to Take After a Hit-and-Run in Georgia Everything you do after a hit-and-run can affect the strength of any insurance claims you file. If possible, you should: - **Call 911 and report the accident**: Contact law enforcement as soon as possible. Tell officers that the other driver left the scene and provide every detail you remember about the vehicle, driver, direction of travel, and circumstances of the crash. - **Gather information about the other vehicle**: Write down anything you remember about the vehicle, including its make, model, color, license plate number, distinguishing features, and the direction it traveled. - **Take photographs and videos**: If you are physically able to do so, photograph the accident scene, damage to your vehicle, road conditions, traffic signs, and any visible injuries. - **Look for witnesses**: Ask anyone who saw the accident for their contact information. - **Seek medical attention**: Visit a doctor to get evaluated and document your condition. - **Check for surveillance footage**: Businesses, homes, traffic cameras, and other nearby locations may have recorded the collision. - **Notify your insurance company**: Report the accident promptly and provide accurate information about what happened. - **Keep records of your losses**: Save medical bills, repair estimates, receipts, proof of lost income, prescription costs, and other documentation related to the accident. - **Avoid accepting the first settlement**: An early settlement offer may not account for all of your medical expenses, future treatment, lost income, or other damages. Don’t accept an offer before speaking to a lawyer. - **Contact an attorney**: A personal injury attorney from Van Sant Law can review your claim, evaluate available [insurance coverage](https://dor.georgia.gov/motor-vehicles/insurance/insurance-coverage), and help determine what legal options are available to you. ## Consult a Hit and Run Accident Lawyer A hit and run accident can leave you feeling as though you have no one to hold responsible. Fortunately, your own auto insurance may provide coverage, even if the at-fault driver disappears. A hit and run accident attorney from Van Sant Law can determine which insurance policies apply to your case and pursue compensation for your losses. Book a free consultation to find out whether your insurance covers your accident. Call or text [770-886-9199](tel:+17708869199) or complete a [Free Case Evaluation form](https://www.vansantlaw.com/contact-us/) --- Source: https://www.vansantlaw.com/faqs/does-insurance-cover-hit-and-run-accidents-in-georgia/