You were just trying to get home. A sudden jolt, the screech of tires—and then suddenly the other driver sped off, leaving you with a damaged car and even more uncertainty. What does this mean for your insurance? Your record? Your future?
Whether you were hit or are being accused, this guide will help you understand what happens next and how to protect yourself.
Under Virginia law, a hit and run occurs when a driver involved in an accident resulting in injury, death, or property damage fails to stop and provide their information to the other party or law enforcement.
It depends on your policy, but yes, Virginia insurance law offers protection in many hit-and-run situations, including those involving parked cars or unknown drivers.
Virginia requires all auto insurers to offer UM coverage, which may apply if the at-fault driver cannot be identified. UM covers medical expenses for you and your passengers and vehicle repairs (property damage) after a hit and run, usually with a $200 deductible.
If you carry collision insurance, you may be able to file a hit-and-run insurance claim to repair your car, regardless of who was at fault. However, you’ll be responsible for your deductible, which may vary.
Not all accidents are treated the same way. Be sure to review your policy if you’re wondering, for instance, Does insurance cover hit-and-run parked car collisions? Many policies do, but some treat them differently from traditional collisions.
Possibly, even if you’re not at fault. A hit-and-run can result in:
An SR-22 is a certificate of financial responsibility necessary for certain driving violations that demonstrates your ability to cover potential liabilities. The Virginia hit-and-run deductible, premium impact, and future coverage depend on your claim history and insurer policy.
Even if you avoid criminal charges, you could face a lawsuit from the other party involved in the accident. A hit-and-run incident may expose you to claims for:
Virginia law allows these civil claims even if the criminal case is resolved, meaning you could still owe thousands in damages, whether or not your insurer steps in.
If you’re the victim, consider:
These steps will set you up for success in recovering compensation for your damages. If you’re accused of leaving the scene, on the other hand, we recommend:
The right steps can help you avoid additional penalties or reduce the impact of a charge or claim.
Flusche & Fitzgerald has helped thousands of clients in Virginia with traffic charges, insurance complications, and criminal allegations, such as hit-and-run. We offer:
Whether you need guidance after a crash or are defending against allegations, we’re here to help protect your future. Reach out to discuss your situation and take the first step toward protecting your record, finances, and peace of mind.
Yes. Uninsured Motorist (UM) coverage may apply if the at-fault driver is unknown. If you have collision coverage, that may also cover the damage, subject to your deductible.
Penalties vary based on damage and injury, with Virginia law distinguishing between misdemeanor and felony offenses:
Whether or not you’re at fault in the accident, fleeing the scene can escalate into a criminal case.
If the other driver is identified, their liability policy pays. Depending on your policy, your UM or collision coverage may apply if they flee or can’t be found.
It varies, but rates often increase, even for victims. If you’re convicted of leaving the scene, expect a significant hike and possibly restricted insurance options.
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