Contact Form Contact Form

Coverage for Hit-and-Run Accidents

Coverage for Hit-and-Run Accidents


Coverage for Hit-and-Run Accidents


A typical hit-and-run accident is a collision between two vehicles, and one of them leaves the accident scene. However, there are other types of hit-and-run accidents. A hit-and-run accident may also involve chain reaction accidents, flying auto parts, auto debris on the road, and objects thrown or shot from other vehicles.


The standard uninsured motorist endorsement requires an insured, who was hit in a hit-and-run, to prove that there was physical contact at the time of the accident between the insured’s vehicle and the vehicle that left the scene. Many states address the problem of hit-and-run accidents in their statute. Other states do not. For the states that do, uninsured motorist statutes can be divided into five categories: physical contact required; physical contact required unless there is no corroborating evidence, physical contact neither required nor prohibited; no express reference to hit-and-run accidents or to physical contact; and permits recovery in no-contact case.


A claim by an insured that the person, who caused the hit and run, did not have insurance is no proof of lack of insurance. The insured must present enough evidence to convince a judge or a jury that all reasonable efforts have been made to discover if an insurance policy existed. The insured must also show that the accident was caused by an unknown motorist. A person is not unknown simply because his or her whereabouts are unknown. An insured sought uninsured motorist benefits for injuries sustained when the insured’s car went out of control after driving over oil on a roadway. The insured testified that there were numerous logs on the roadway at the time of the accident and argued the oil must have been left after an accident involving a logging truck. The court found sufficient evidence for a jury to infer that the insured was injured as a result of the negligence of an unknown driver.


The standard uninsured motorist clause requires an insured, or someone on his or her behalf, to report a hit-and-run accident and to file a statement of facts within a certain time. The purpose of these requirements is to make sure that the insured reported the facts of the hit-and-run while still fresh in his or her mind and to allow time for the insured’s insurance company to make its own investigation. Several statutes impose similar requirements.

Copyright 2012 LexisNexis, a division of Reed Elsevier Inc.

Recent Blog Posts

Common Causes of Motorcycle Accidents

According to statistics, incidents of motorcycle accidents have been on the rise since 2006. Cycling accidents may cause serious injury or death and are often the result of one of the following circumstances: Car operator turns in front of the bike If the operator of a motorized vehicle fails to accurately judge a cyclist’s speed […]

Cell Phone Manufacturers Walk a Fine Line between Social and Personal Responsibility – Car accident lawyers

 Cell Phone Manufacturers Walk a Fine Line between Social and Personal Responsibility – Car Accident Lawyers Ward & Ward Law Firm Pressure is being put on cell phone manufacturers to include “lock-out” technology in their mobile devices to prevent drivers from accessing certain features while driving. Who bears the responsibility for car accident injuries and […]

Indiana Personal Injury Attorney Selected for Inclusion in Best Lawyers in America©

Ward & Ward Law Firm Announces Partner in Personal Injury Law Firm is Selected for Inclusion in Best Lawyers in America Indianapolis personal injury attorney, wrongful death attorney and medical malpractice attorney, Charlie Ward, has been selected by his peers for inclusion into the 23rd annual edition of The Best Lawyers in America© Indianapolis, Indiana […]

Indiana Legislation Relating to Asbestos and Mesothelioma Claims Declared Unconstitutional

Victims of latent asbestos related diseases have reason for hope after Indiana’s State Supreme Court Ruling What is a product liability claim? A product liability claim seeks to hold miners, manufacturers, distributors, suppliers, retailers, and others along the commerce and distribution chain, responsible for the personal injury and wrongful death caused by dangerous and defective products, […]

Ward & Ward Law Firm Personal Injury Attorneys Receive Award from

Ward & Ward Law Firm Personal Injury Lawyers Receive Prestigious Award from Best Personal Injury Lawyers in Indianapolis2016 The attorneys at Ward & Ward Law Firm have been recognized by as 2016Best Personal Injury Lawyers in Indianapolis. connects people in every U.S. city with qualified experts from their own communities. The Seattle based […]