5 min read
Updated on Aug 23, 2022
In simple language, a hit and run accident is one where the person causing an accident or collision with another vehicle flees the scene purposely without tending to the injured or without giving any contact details. This is considered a severe crime under the law.
If you get caught up in a hit and run case, it is obvious to feel angry and perplexed because you don’t know how to get compensated for the damage caused to your car by the vehicle driver at fault who fled the accident scene. But the good news is, you can take certain steps to make sure that you can claim for damages smoothly.
In this blog, we are discussing the hit and run meaning and the various ways by which a hit & run accident situation can be handled.
As briefed above, hit and run is a situation where the driver causing an accident or collision (in most cases, the one who is at fault) flees the accident scene instantly without giving any contact details.
Thus a hit & run is a situation when a speeding vehicle hits your car and flees away from the accident scene purposely. Also, it can be a situation when a driver collides with your car that is parked somewhere without coming into notice of anyone. In this case also, the driver leaves the scene without any information or contact details and makes it impossible to get compensation for the damages caused to your car.
Also Read: Common Causes Of Road Accidents And How Can You Avoid Them
Though it is difficult to stay calm and stress-free if you happen to be a victim of a hit and run case. However, keeping composure is important. Of course, it is important to look for possibilities by gathering information to trace the faulty vehicle as it also helps the police to catch the culprit. Further, this will also make your car insurance company settle your claim with ease.
So, below are the details of the faulty car that you should gather:
Also, it is important to take note of the following:
Holding on to the above particulars also helps at the time of making a claim to the insurer for the damage. This way, the insurer also knows that your claim is not fraudulent. Even if your car was hit when it was parked somewhere and was unattended, these information will still help.
The next important step that the victim of a hit and run accident must take care of is to file a FIR report at the closest police station where the accident took place. This will make your case all the more strong at the time of claiming for insurance for the damages caused.
There are few ways to get compensation for the damages caused to your vehicle in case of hit and run accident case. In case you fail to trace the details of the driver who collided his/her vehicle with your car, you can try to get information about their vehicle insurance from your insurance company. If you can do that, you can easily make a claim for third-party liability insurance under the insurance policy of that car. However, if you cannot get that done, you can use the legal route to get the insurance claim from the faulty driver.
Also, in case of a hit & run case, it is up to the insurer’s discretion to decide whether your premium for the policy that you pay will be increased or not.
The Motor Vehicles Act states that a victim of a hit and run case receives the below amount as compensation for hit and run accident in India from the government.
Rs.25,000 – If case of death caused by the hit and run accident
Rs.12,500 – In case of serious injury and bodily damage received from the accident
Here is the claims procedure for a hit and run case in India as mentioned below:
As discussed above, now you know what you should do if you get involved in a hit run accident. However, there are certain things that you must avoid doing in such a situation. For example, you must avoid leaving the accident spot so that you can confront the driver at-fault. Also, you should move your vehicle to a safe place so that the traffic is not blocked. Do not go away from the accident scene unless you collect enough details. Also, remember that hit and run case punishment in India is severe. So, it is better to avoid getting into such hassles.
PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
Pollution is a huge threat that has been contributing severely to the deteriorating health of people in India. A major contributor of the increased air.
Airbags are among the significant safety innovations of the recent time as they provide vital cushioning to people sitting in a vehicle during a crash..
For keeping the environment clean and pollution free, people have now started using Electric Vehicles in India widely. Let us understand in this post how.
A car insurance policy number is a basic requirement during accidents, mishaps or at regular traffic police checking. Let us understand how to get an.
Accidents and uncertainties are part of life that comes unexpectedly without any prior information. Hence, it is very important to have a first aid kit.
To drive a car on Indian roads, the car needs to be covered by an insurance policy. However, to ensure continuous coverage, the policy needs.
High motor Insurance premium rates have been a cause of worry for many. Hence IRDAI introduced vehicle insurance based on usage where premium is levied.
Table of Content Types of Car Insurance Policies Bharti AXA Policy Download - Steps to Consider Is the hard copy of the Bharti AXA car.
Table of Content About Third-Party Motor Insurance Policy How to Claim Third Party Car Insurance What Comes under Third-Party Claims? Third-Party Claim Process - Conditions.
The foremost and undoubtedly the most crucial decision before buying insurance for your car - which type of policy would best suit your needs? Read.
Speak to our advisor
Corporate Office : Mahindra Insurance Brokers Ltd ( A Mahindra Group Company ) Sadhana House, Ground Floor, 570 P. B. Marg, Behind Mahindra Towers, Worli, Mumbai 400018.
Licenced by IRDAI License No. 261; License Validity : 17-05-2025; Category : Composite Broker; CIN : U65990MH1987PLCO42609 Member of Insurance Brokers Association of India (IBAI).
Insurance is the subject matter of solicitation.
For a seamless experience, use the latest version of Chrome/Firefox/Internet Explorer.
Copyright © 2023 Mahindra Insurance Brokers. All Right Reserved.