What To Do If You Get Rear-Ended By A Hit-And-Run Driver in St. Louis

Here's what you should do if you're involved in a hit-and-run accident in Missouri:

1. Ensure Safety:

  • Check Yourself and Others: The first priority is to assess yourself and any passengers for injuries. If there are serious injuries, call 911 immediately.
  • Move to Safety: If possible, move your vehicle to a safe location off the road. Turn on your hazard lights to warn other drivers.

2. Call the Police:

  • Report the Accident: Even if there are no injuries, it's crucial to call the police to report the hit-and-run. The police will investigate the accident and create a report, which will be essential for insurance claims and potential legal action.
  • Provide Details: Give the police as much information as possible about the hit-and-run vehicle, including its make, model, color, license plate number (if you saw it), and any distinguishing features. Describe the driver, if possible.

3. Document the Scene:

  • Gather Evidence: If you're able, take pictures of the scene of the accident, including the damage to your vehicle, any debris from the hit-and-run vehicle, and surrounding landmarks. This will be helpful for the police investigation and your insurance claim.
  • Witness Statements: If there were any witnesses, try to get their names and contact information. Their statements can be valuable in corroborating your account of the accident.

4. Contact Your Insurance Company:

  • File a Claim: As soon as possible, contact your insurance company and report the hit-and-run accident. They will guide you through their claims process for hit-and-run situations. Your policy's uninsured motorist coverage (UM) or underinsured motorist coverage (UIM) may come into play depending on your specific policy.

5. Consider Legal Options:

  • Legal Advice: While navigating a hit-and-run claim with your insurance company, consult with an attorney specializing in personal injury cases. An attorney can advise you on your legal rights and options for pursuing compensation for your damages, especially if your UM/UIM coverage limits are insufficient.

Here are some additional points to remember:

  • Don't Chase the Driver: Chasing a fleeing driver is dangerous and puts yourself and others at risk. Leave that to the police.
  • Keep Records: Maintain copies of all police reports, accident reports, medical records, and communication with your insurance company.
  • Time Limits: Be aware of deadlines for filing insurance claims and lawsuits related to hit-and-run accidents. Missing these deadlines could limit your options for recovering compensation.

Dealing with a hit-and-run accident can be stressful. By following these steps and seeking professional guidance, you can increase your chances of a successful insurance claim or legal case, and ensure you receive compensation for your injuries and property damage.

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