The Hit and Run Insurance Gap Problem

Understanding the coverage gaps between personal insurance and commercial Hit and Run policies.

Understanding The Hit and Run Insurance Gap Problem

Hit and Run and Hit and Run have transformed transportation, but accidents involving Hit and Run vehicles create complex legal situations. Whether you're a passenger, another driver, a pedestrian, or the Hit and Run driver yourself, understanding your rights is critical.

Key Points

• Hit and Run carries $1 million in liability insurance when passengers are in the vehicle
• Insurance coverage varies based on the driver's app status at the time of the accident
• Multiple parties may be liable: the driver, Hit and Run, other drivers, or vehicle manufacturers
• Statute of limitations varies by state - act quickly to preserve your rights

Your Legal Options

If you've been involved in a Hit and Run accident, you may be entitled to compensation for medical expenses, lost wages, pain and suffering, and other damages. The key is understanding who is liable and which insurance policies apply to your situation.

What to Do Next

1. Seek medical attention immediately, even if injuries seem minor
2. Document everything: photos, witness information, police reports
3. Request your Hit and Run trip receipt and ride details through the app
4. Do not give recorded statements to insurance companies without legal advice
5. Consult with an experienced Hit and Run accident attorney