Understanding Liability and Insurance Coverage After a Hit-and-Run Accident
A hit and run accident can leave you feeling helpless and frustrated. When a hit and run driver flees the scene of an accident, it can be difficult to determine who is responsible for your damages. However, even if the at fault driver is unknown, there are ways for accident victims to recover compensation through insurance coverage and legal action.
If you’ve been injured in a hit and run, understanding your options for filing an insurance claim or pursuing legal action can help you seek compensation for medical expenses, lost wages, and property damage.

Who Is Responsible in a Hit-and-Run?
In a typical car accident, the at fault driver is responsible for covering the damages. However, in a hit and run accident, the fleeing driver is often never identified. In these cases, responsibility for covering your accident-related losses may fall on:
1. The Hit and Run Driver
If law enforcement can identify the hit and run driver, they may face criminal charges and civil liability for damages. Their car insurance policy, if they have one, may cover your medical bills and property damage.
2. Your Own Insurance Company
If the hit and run driver is not found, your own insurance policies may provide coverage for your losses. The following types of insurance may help:
- Uninsured motorist coverage – This can cover medical expenses and vehicle damage when the at fault driver is uninsured or unidentified.
- Collision coverage – Pays for car repairs regardless of who caused the accident.
- Medical payments coverage – Helps cover medical expenses for you and your passengers.
- Personal injury protection – Covers medical costs and lost wages, especially in no fault states.
3. Other Potentially Liable Parties
If poor road conditions or a defective vehicle contributed to the accident, a government agency or car manufacturer may share responsibility. A car accident lawyer can help determine if another responsible party should be held financially responsible.
What to Do After a Hit-and-Run Accident
If you are involved in a hit and run accident, taking the right steps can improve your chances of receiving compensation:
- Call law enforcement – Police officers will create a police report, which may help with an insurance claim.
- Seek medical attention – Even if you don’t feel injured right away, medical bills can add up, and having medical records is important for your case.
- Gather evidence at the accident scene – Take photos, note details about the hit and run vehicle, and look for witnesses.
- Contact your insurance company – File a hit and run claim through your car insurance policy.
- Consult a car accident lawyer – An attorney can help you navigate insurance policies, uninsured motorist claims, and potential personal injury lawsuits.

Can You File a Lawsuit for a Hit-and-Run?
If the hit and run driver is found, you may be able to file a personal injury claim or lawsuit against them. If they are uninsured, you can file an uninsured motorist claim through your own insurance provider. An attorney can help you understand your options and pursue legal action if necessary.
Get Legal Help for Your Hit-and-Run Claim
If you were injured in a hit and run accident, you don’t have to handle the situation alone. Call Rozas Injury Law, LLC at (225) 343-0010 to schedule your free consultation. Our law firm can help you recover financial recovery for medical expenses, lost wages, and other accident-related losses.
FAQs
What should I do if a hit and run driver is never found?
If the driver is not located, you may still recover damages through uninsured motorist coverage or collision coverage on your own insurance policy.
Will my insurance cover a hit and run accident?
It depends on your insurance policies. Uninsured motorist coverage, collision coverage, and medical payments coverage can help cover expenses.
How long do I have to file a hit and run claim?
The time limit varies by state. In Louisiana, you generally have one year to file a personal injury claim after an accident.
Can I sue a hit and run driver?
Yes, if the driver is found, you can file a lawsuit for damages. If they are uninsured, you may need to file an uninsured motorist claim.
Do I need a lawyer for a hit and run case?
A lawyer can help you navigate insurance claims, uninsured motorist claims, and legal options for financial recovery.