What to Do If You’re Involved in a Hit-and-Run Accident

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A hit-and-run accident can be extremely frustrating because the responsible driver flees the scene, leaving you with vehicle damage and limited information. However, if you follow the correct steps, you can still file a police report, make an insurance claim, and protect your rights. Here’s what you should do immediately.

Steps to Take After a Hit-and-Run Accident

1. Document the Scene Thoroughly

Collect as much evidence as possible, including:

• Photos of the damage
• The accident location
• Direction the fleeing vehicle went
• Debris or paint transfer from the other car

These details help both police and insurers investigate.

2. Obtain CCTV Footage

Look for nearby cameras at shops, houses, or street poles. Request footage as soon as possible because many systems overwrite data within 24–48 hours.

3. File a Police Report Immediately

A police report is essential for insurance claims in any hit-and-run situation. Provide all evidence you collected.

4. Contact Your Insurance Company

If you have First-class insurance (Type 1), you can claim damages even without identifying the other driver. For Type 2+ and 3+, coverage applies only if you can prove the damage was caused by another vehicle.

5. Avoid Driving if the Car Is Severely Damaged

If critical components are broken, call a tow truck to avoid further risk.

Can You Claim Insurance for a Hit-and-Run?

• Type 1 Insurance

Fully covers hit-and-run accidents.

• Type 2+ / 3+ Insurance

Covers hit-and-run only if evidence clearly shows the damage was caused by another vehicle.

• Compulsory Insurance (Por Ror Bor)

Covers only medical treatment for injuries, not vehicle repairs.

Conclusion

Being a victim of a hit-and-run can be stressful, but quick action—collecting evidence, filing a police report, and contacting your insurer—will protect your rights. With the right documentation, insurance claims can proceed smoothly, especially if you have Type 1 coverage.

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