David Greene from the injury law firm of Greene & Phillips tells Cherish Lombard if you’re involved in a hit and run accident and the driver at-fault drives off before the police get there to make a report, you still may have legal recourse. He says hit and run cases can be more difficult to handle than other cases. He says it’s still very important to get a police report, and once you have that report, you should talk to a lawyer as soon as you can so he or she can help you find out if your insurance covers hit and runs through “uninsured motorist coverage.”
Uninsured motorist is an inexpensive addition to your insurance policy that covers your property damage and medical costs if you’re involved in an accident with someone who does not have insurance. Check your insurance policy and make sure you have UM/UIM or call your agent and make sure it’s included. Some insurance companies do not cover hit and runs, so it’s important to read your policy carefully.
A “phantom vehicle accident” is caused by a vehicle that may not necessarily hit you, but causes the accident anyway. An example is, you swerve to hit a car that pulls out in front of you and the driver keeps driving, but you end up with serious injuries and significant damage to your car. Greene says in these cases, with the right insurance, you may still be able to receive money to cover your injury costs, car repair and lost wages. He also says it’s especially important to get as many details as possible since you don’t have the other driver’s information, and talk with a personal injury lawyer who knows how to handle this type of case before you talk to your insurance company.
Greene and Phillips
50 North Florida Street
Mobile, AL 36607
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