A hit-and-run incident is a jarring experience. It becomes even more stressful when you have to deal with the damage to your vehicle. You may wonder how you can receive compensation for a hit-and-run accident.
Navigating this kind of situation can be challenging, but it is not impossible. Here is what you should do and what you should know about getting compensation after a hit-and-run accident in Oklahoma.
Understanding uninsured motorist coverage
In Oklahoma, drivers should have uninsured motorist coverage as part of their auto insurance. If a hit-and-run driver caused you injury and fled the scene, you could make a claim under your uninsured motorist coverage. This coverage typically pays for bodily injuries up to the limit specified in your policy. Collision insurance covers the damage to your vehicle.
Filing an uninsured motorist claim
To claim compensation through your uninsured motorist coverage, you need to report the incident to your insurance company as soon as possible. Most insurance policies need you to report hit-and-run accidents within 24 hours. You will need to provide all the details about the incident and your injuries. Your insurance company will then review your claim and determine the amount of compensation.
Reporting to the police
Do not forget to report the hit-and-run incident to the police immediately. In Oklahoma, you must report any accident that causes injury, death or property damage over $500. A police report serves as official documentation of the incident and can be essential when claiming compensation from your insurance company.
Proving your case
Gathering evidence is important when seeking compensation. Take photographs of the accident scene and your injuries. If there were witnesses, get their contact information and statements. This evidence will help substantiate your claim and increase your chances of receiving compensation.
Getting compensation after a hit-and-run accident in Oklahoma may seem like a daunting process, but knowing these steps will help you get through it more confidently and increase your chances of getting the compensation you deserve.