Being involved in a hit-and-run accident can be frightening, frustrating, and overwhelming. In addition to dealing with potential injuries and vehicle damage, you may be left unsure of what steps to take next—especially when the other driver has fled the scene.

This guide outlines exactly what to do after a hit-and-run accident to protect your safety, document the incident, and ensure your insurance claim is handled properly.

Step 1: Prioritize Safety and Check for Injuries

Your safety comes first. If you or anyone else involved is injured, call 911 immediately. Even if injuries seem minor, it’s important to get medical attention, as some symptoms may not appear right away.

If your vehicle is creating a hazard and it’s safe to do so, move it to the side of the road. Turn on your hazard lights and stay in a safe location away from traffic.

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Step 2: Call the Police Right Away

Always report a hit-and-run accident to law enforcement, even if the damage appears minor. A police report is critical for:

• Documenting the incident

• Supporting your insurance claim

• Increasing the chance of identifying the other driver

Provide as many details as possible, including the time, location, and any information you remember about the fleeing vehicle.

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Step 3: Gather Any Available Information

While it can be difficult in the moment, try to collect as much information as you can, such as:

• The make, model, color, or license plate of the other vehicle (even partial details help)

• The direction the vehicle fled

• Photos of vehicle damage, debris, skid marks, and the surrounding area

• Names and contact information of any witnesses

If nearby businesses or homes may have security cameras, note their locations and inform the police.

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Step 4: Seek Medical Evaluation

Even if you feel fine, consider seeing a medical professional as soon as possible. Injuries like whiplash, concussions, or internal injuries may take hours or days to appear.

Medical records also play an important role if you need to file a claim related to injuries.

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Step 5: Contact Your Insurance Agent Promptly

Notify your insurance agent as soon as possible after the accident. Hit-and-run claims often involve:

• Uninsured motorist coverage

• Collision coverage

• Medical payments or personal injury protection (PIP)

Your agent can help explain which coverages apply, what documentation is needed, and what to expect throughout the claims process.

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Step 6: Document Everything

Keep a detailed record of:

• The police report number

• Medical visits and expenses

• Repair estimates and invoices

• Communication with law enforcement and your insurance company

This documentation helps ensure your claim is processed smoothly and accurately.

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Step 7: Be Cautious About Repairs and Statements

Avoid repairing your vehicle until your insurance company has advised you to do so or inspected the damage. Additionally, be cautious when discussing the accident publicly or on social media, as statements can sometimes be misinterpreted.

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How O’Malley-Boldt Insurance Can Help

Hit-and-run accidents are stressful, but you don’t have to navigate the process alone. At O’Malley-Boldt Insurance, we help our clients:

• Understand their coverage options

• Navigate the claims process step-by-step

• Communicate with carriers on their behalf

• Get answers during an uncertain time

If you’ve been involved in a hit-and-run accident or have questions about your auto insurance coverage, contact our team for guidance and support.