The short version
- Take photos before anything is moved, and look for witnesses or cameras.
- File a police report where it is expected by your insurer.
- Coverage depends on what is on your policy, so ask what applies.
Right away
- Photograph the damage and the surroundings.
- Look for cameras on nearby buildings.
- Leave a note on nearby vehicles asking for witnesses only if safe.
Reporting
Many places expect a police report for a hit-and-run. Ask the local office how to file one. Some insurers ask for the report number during a claim.
Which coverage may apply
Collision, uninsured motorist property damage and other coverages sometimes respond, depending on your state and policy. Your policy and your insurer are the only reliable source.
Afterwards
Keep estimates, receipts and a short note of dates and phone calls.
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