What to do after a hit and run
Hit and run accidents can be stressful. 如果你发现自己处于这种情况，考虑一下这些建议.
汽车 accidents are stressful enough. 再加上肇事逃逸的元素，这可能会让你感到完全无助.
What is a hit and run accident?
In traffic laws, 这是指某人故意制造事故，然后离开现场，没有提供任何有关自己的信息或帮助他人的行为. 在许多司法管辖区，除非有人受伤，否则这是轻罪. Then it could become a felony charge.
As with any collision, 你必须为你的pp王者电子官网公司和警察仔细记录肇事逃逸事故. 然而，这可能有点棘手，因为一个司机已经离开了!
Here are five dos and don'ts for handling a hit and run
当事故中的一方逃离时，留下来与目击者和警察交谈是很重要的.
- DO call 911 if you are in your car or someone is injured.
- 不 follow the fleeing driver. 离开事故现场可能会让你处于一个妥协的境地:你可能会错过目击者的描述——警察可能会质疑谁才是真正的罪魁祸首. Not only that, you run the risk of getting into another accident, 或者在不知道其他司机行为的情况下将自己置于危险境地.
- DO get as much information 尽可能关于司机、车辆和事故，包括:
- License plate number
- The other vehicle's make, model and color
- 描述另一辆车的损坏情况(可能的话拍照)
- Which direction the other vehicle was headed
- Photos of the damage to your vehicle
- Location, date, time and cause of the accident
- 不 等着打电话给警察或你的pp王者电子官网公司来提交一份警察报告或一个 accident claim. 官方事故报告将帮助警方寻找失踪的司机，并在你提交事故索赔时很有用.
- DO 询问目击者是否能提供有关事故的其他信息. 如果他们给你或警方一份声明，一定要得到他们的名字和pg电子官方网页版. 如果肇事逃逸发生在你没有开车的时候，目击者的信息会特别有用. Get more information about how to handle parking lot accidents.
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Want to protect your car?
Does insurance cover a hit and run?
如果你卷入了肇事逃逸，你的汽车pp王者电子官网可能会支付一些费用. 需要注意的是，覆盖范围因州而异. 如果您是状态 Farm®的客户，想了解更多关于您目前的pp王者电子官网范围或需要提出索赔, consider logging into My Accounts or downloading the 状态 Farm mobile app.
Let's look at specific coverages.
- Collision coverage 如果你的车在与另一辆车的碰撞中损坏，你会得到修理或更换的赔偿, object or the overturning of the vehicle. If you're a victim of a hit and run accident, 即使找不到另一个司机，你也可以对你的pp王者电子官网单提出索赔.
- Uninsured motor vehicle coverage helps pay medical expenses, 如果事故中有过错的司机没有pp王者电子官网，或者事故中有过错的司机仍然不知道，那么你的车就会失去工资或损坏(如果在你所在的州适用). This coverage isn't available in every state. If you or the insured driver do not carry this coverage, 如果发生肇事逃逸，你可能会有不被pp王者电子官网覆盖的风险.
Do you have to pay your deductible for a hit and run?
A deductible will likely apply to repair your vehicle. 免赔额和pp王者电子官网范围取决于你所居住的州和你所持有的保单类型.
在理赔过程中与pp王者电子官网公司保持沟通. If the hit and run driver is identified, 有一个机会，你的pp王者电子官网公司可能会提出索赔与其他司机或将试图恢复你的免赔额 subrogation.
你的 insurance agent 如果你发现自己处于这种不幸的情况下，它能成为一个好的资源吗. For more information, read our tips on what to do after an accident.
