A hit-and-run accident is one of the most frustrating situations a driver can face. The other driver is gone, and it can feel like you have no options. But Kentucky law does provide a path forward, even when the at-fault driver gets away. Knowing what to do right away can make a real difference.
What to do right after a hit-and-run
Your actions in the moments after the crash can directly affect your ability to recover compensation. Here are some steps you should keep in mind:
- Call 911: Report the accident to law enforcement immediately — you may need a police report to file an insurance claim.
- Note the details: Write down anything you remember about the other vehicle, including color, make, model and any part of the plate number.
- Find witnesses: If anyone saw what happened, get their contact information before they leave.
- Take photos: Document your vehicle, the damage, the road and any visible injuries.
- Notify your insurer: Contact your insurance company as soon as possible and tell them what happened.
Once you’ve covered those steps, it helps to understand what Kentucky law may offer when the driver is unknown.
How you may still recover compensation
Many people assume a hit-and-run means they’re out of luck, but that’s not necessarily true. Don’t forget these crucial points:
- Kentucky law treats hit-and-run drivers as uninsured motorists, so your uninsured motorist (UM) coverage may apply.
- UM coverage can potentially compensate you for medical bills, lost wages and pain and suffering.
- Note that Kentucky drivers can waive UM coverage, so reviewing your policy is worth your time.
- If police later identify the driver, you may have additional options to pursue a claim.
- Kentucky’s personal injury statute of limitations is one year, so time matters.
Sorting through your options alone can be difficult, and speaking with someone who handles these types of cases may help clarify what you’re actually entitled to.
A hit-and-run doesn’t leave you without a path forward. Taking quick, informed action may give you a real chance at recovering what you’re owed.