What To Do After a Hit-and-Run in Illinois: Insurance Steps To Take

Being involved in a hit-and-run accident can be overwhelming and stressful, especially when the other driver flees the scene. As a responsible driver, it’s important to know the right steps to take in these situations. Our team at All Insured Insurance Agency is here to guide you through the process and answer any questions about how your coverage may apply in such scenarios.

Immediate Steps After a Hit-and-Run

If you’re the victim of a hit-and-run, taking quick and careful action can make a significant difference in your claim. Be mindful of the following:

• Prioritize safety—Move your vehicle to a safe location if possible and check for injuries. Call 911 if anyone is hurt.
• Take notes—Write down as many details as you can about the incident, including the time, location, and any information about the fleeing vehicle (e.g., make, model, color, license plate, etc.).
• Photograph the scene—Capture images of the damage to your vehicle, the surrounding area and any debris or skid marks.
• Look for witnesses—Ask bystanders if they saw the accident and can provide statements or descriptions. Request their contact information as well.
• File a police report—Reporting a hit-and-run to the police may be legally required in Illinois and can help with your claims process. Obtain a copy of the report for your records.

Insurance Steps and Coverage Considerations

After you’ve reported the incident to the authorities, it’s time to address your insurance:

• Notify your insurance company. Contact your insurer as soon as possible to start your claim. Provide all documentation, including the police report and photos.
• Understand your coverage. Uninsured motorist coverage may help pay for damages and injuries caused by a hit-and-run driver. Review your policy or reach out to your agent to clarify your coverage.
• Work with your insurer. Stay in contact with your claims adjuster and respond to any questions or requests for additional information to help move the claims process along.

How All Insured Insurance Agency Supports You

Our team is committed to making the aftermath of a hit-and-run less stressful. Contact us today if you have questions or want to discuss auto insurance coverage options.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.