There are a lot of car owners who have reported cases of hit and run. This is one of the worst accidents a driver can ever experience, as there is no one to run after for the damages done to their vehicle. However, if the car owner has their own insurance policy, then it will be a lot easier. But having a policy will not ensure coverage of a hit and run crime, because it will depend on the level of the policy a car owner has.
It will be difficult for car owners to claim insurance for hit and run cases because it is hard for owners to prove that they have indeed been victims of such incident. However, if a car owner does not have full coverage, he or she can still claim what is in his policy. If they have uninsured motorist coverage, the insurance company of the owner will have full authority to handle your case and will track down the company and policy coverage of the driver at fault. This can be done as long as the driver at fault has enough coverage.
The bigger problem is when the driver at fault is not insured. The last resort that a car owner can do is to file a complaint to the authorities. If a victim of hit and run wants to claim the best coverage possible, a car owner should find the plate number of the car who hit them. If the driver was not able to see it, then he or she should look for witnesses, guards or even videos that can show and point out who was at fault. Such can be used to claim policies as well, as they can be evidences that the driver has indeed been a victim of hit and run.
After a car owner has experienced the incident, it is always best to call the police and file a report. It may be best not to move the car, so that nothing would be altered. After doing such, the car owner should contact their insurance companies and make an immediate report. Time is one of the most valuable things in such cases because as soon as car owners make a report, the faster they will be able to get action from the police and their respective companies. The best thing to do after realizing that cars have been hit is to calm down and act fast.