What is a Hit And Run Accident and How to Handle It – A Complete Guide

Hit and run is a scary situation that needs to be handled carefully. Have you ever been involved in a hit and run accident? Do you know how to handle it? Read on to know about it.
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.

What is a hit and run accident?

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 and 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.

Had you must do right after the accident:

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:

  • Make of the car
  • Model of the car
  • Registration number of the car
  • Trace witness (if any) to the accident.
  • Request for the name and address of the witness.

Also, it is important to take note of the following:

  • Make a note of the time and location of the accident
  • Click as many pictures of the scene as possible
  • Click as many pictures of the damage of your vehicle as possible

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.

File an FIR

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.

Process to Claim in case of Hit and Run Accident

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:

  • The first step is that the victim should write an application to the Claim Enquiry Officer of his/her area.
  • The officer will investigate the situation and will present a report. In addition to the report, the officer will also submit the post mortem report or injury certificate which he/she will send to the Claims Settlement Commissioner.
  • After that, the district Deputy Commissioner will start the procedure of the claim. The payment will be made within 15 days of getting the enquiry report from the officer. The order of the approval is corresponded to the insurer’s office.
  • Such compensation is offered from the Solatium Fund that is secured by India’s general insurance industry.
  • New India Assurance Co. Ltd carry out the administration of such claims.

Conclusion

1. Compile all necessary documentation: Documentation of the collision, such as the police report, witness accounts, and any other pertinent data, must be given to your insurance company.
2. Make contact with your insurance provider: Call your insurance provider to report the incident and start the claims procedure.

Under Section 304A of the IPC, the person will be punishable with a maximum punishment of two years or a fine, or both. But if the person has real intention and knowledge to cause the accident, he will be punished under Section 302 of the IPC with death or life imprisonment and a fine.

Imprisonment for 6 months, a fine of Rs 1000 or both can be imposed on a driver for rash driving or injuring another person on the road. The offense committed under section 279 is bailable and is cognizable by the district magistrate.

A hit-and-run road accident is one in which the driver who caused the accident drives away without helping the other people involved and without telling the police: He struck and killed a pedestrian in a hit-and-run accident

Author Bio

Paybima Team

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.

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