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Hit and Miss Accidents: Were You Ghosted on Halloween?

Hit and Miss Accidents: Were You Ghosted on Halloween?

Hit and miss accidents often bring serious damages to road users, much like hit and run car crashes. A hit-and-run accident refers to an incident where the at-fault driver leaves the crash scene without stopping to exchange information with the injured motorist or road user. Unlike a hit-and-run accident where two vehicles are often involved, a hit-and-miss accident is usually a single-car crash with only one of the vehicles sustaining damage.

An example of a hit-and-miss accident is when motorist A suddenly enters Motorist B’s lane without proper signaling, resulting in Motorist B hitting a guard rail, but Motorist A keeps driving. In such a case, Motorist A is responsible for Motorist B’s crash, although there wasn’t physical contact between the two cars. A crash qualifies as a hit-and-miss accident both when the at-fault motorist deliberately flees the scene to escape responsibility and when he or she keeps driving without knowing that he or she caused an accident.

How to Find a Motorist Who Flees the Accident Scene during Halloween

An at-fault motorist who flees the accident scene can be found in three main ways. One way is to review nearby surveillance footage for any vehicles that were recorded by the cameras. The second way is to ask people around the accident scene if they saw a car that matches the description of the at-fault driver’s car. A third way is to use an on-board Event Data Recorder or EDR, which can record data from a car’s computer system even after turning off the engine.

In cases where a driver leaves his or her vehicle at the scene of a hit-and-miss accident, he or she is often found by looking at surveillance footage from nearby buildings. The combination of the license plate number and eyewitness accounts can help in finding the person responsible for the crash.

Who Pays for Hit-and-Miss Accidents?

After a hit and miss accident, the victim can seek compensation for car accident injuries and damages from either of the following options.

The At-Fault Driver’s Third-Party Insurance Policy

The injured motorist can file a claim with the at-fault driver’s insurance carrier. Fortunately, most motorist insurance policies include limited third-party coverage that covers hit and miss accidents. The injured motorist should start by filing a police report before proceeding to file a claim with the at-fault driver’s insurance company.

The Victim’s Uninsured or Underinsured Motor Vehicle Policy

If the negligent motorist has no insurance or not enough insurance to cover the damages, victims can seek compensation through their own uninsured or underinsured vehicle policy. Most of the time, comprehensive insurance covers are designed to help victims of hit-and-miss accidents by covering damage caused by negligent motorists who don’t have auto insurance or enough insurance to cover damages.

Personal Health Insurance Coverage

In other cases, victims can claim damages from their own health insurance policy. This usually happens when victims can’t claim damages from the negligent motorists’ insurance company due to low policy limits.

The At-fault Driver’s Employer

In some cases, the negligent driver is working for a company, school, or government agency. If the negligent driver doesn’t have any coverage, victims can seek compensation from the negligent driver’s employer by filing a personal injury claim or lawsuit.

The At-Fault Driver’s Assets

The hit-and-miss victim can also pursue compensation by bringing a personal injury lawsuit against the at-fault driver. The victim should work with an injury attorney who is familiar with hit-and-miss accidents to stand a better chance at obtaining full and fair compensation.

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by Dirk DeBie // Contributor to Businessing Magazine.

Opinions expressed by contributors are their own.