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Laura Berry

Former Insurance Agent

Former Insurance Agent

Joshua Adamson

Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

UPDATED: Feb 20, 2024

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Steps To Take After A Hit-And-Run Accident In Massachusetts

Our Commitment to You

At Obrella, we understand the frustration and confusion that can arise after being involved in a hit-and-run accident. Our team is dedicated to providing you with the support and guidance you need during this difficult time.

When you find yourself in the unfortunate situation of a hit-and-run accident, it can feel like you’re left to deal with the aftermath all on your own. But with Obrella, you don’t have to face it alone. Our experienced claims adjusters are here to assist you every step of the way.

Filing a claim after a hit-and-run accident can be a complex process. That’s why we have a team of experts who specialize in handling these types of cases. They will work diligently to gather all the necessary information, such as witness statements, police reports, and any available surveillance footage, to help build a strong case on your behalf.

Understanding Massachusetts hit-and-run laws is crucial when it comes to seeking justice and compensation. Our team of legal professionals is well-versed in these laws and will ensure that your rights are protected throughout the entire claims process. We will fight tirelessly to hold the responsible party accountable for their actions.

While dealing with the aftermath of a hit-and-run accident can be overwhelming, it’s also important to think about the future. At Obrella, we want to help you find the best auto insurance rates to protect yourself from any potential future incidents. Our knowledgeable agents will take the time to understand your specific needs and find you a policy that offers the right coverage at an affordable price.

Additionally, we offer a range of other insurance products to provide you with comprehensive protection. From home insurance to life insurance, we have you covered. Our goal is to give you peace of mind knowing that you have the necessary coverage in place to protect yourself and your loved ones.

At Obrella, we pride ourselves on our commitment to our customers. We understand the stress and uncertainty that can come with being involved in a hit-and-run accident, and we are here to alleviate that burden. Our dedicated team will go above and beyond to ensure that you receive the support and guidance you need during this challenging time.

Read more: Understanding Massachusetts Auto Insurance Laws: Your Complete Guide

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Finding the Best Auto Insurance Rates

Before we delve into the steps to take after a hit-and-run accident, it’s important to ensure that you have the best auto insurance rates available. Shop around and compare quotes from multiple insurance providers to find a policy that fits your needs and budget. Consider factors such as coverage limits, deductibles, and the reputation of the insurance company. Remember, having comprehensive coverage can provide financial protection in the event of a hit-and-run accident.

Understanding Hit-and-Runs in Massachusetts

In Massachusetts, a hit-and-run accident occurs when a driver involved in a collision leaves the scene without stopping to exchange information or render aid to injured parties. It is a serious offense that can result in criminal charges and severe penalties. If you are a victim of a hit-and-run, it is crucial to remain calm and follow the proper steps to protect yourself and your legal rights.

Navigating Massachusetts Hit-and-Run Laws

When involved in a hit-and-run accident in Massachusetts, it’s important to follow these steps:

  1. Stay Safe: Immediately after the accident, ensure that you and any passengers are safe. Move away from traffic if possible and turn on hazard lights to alert other drivers.
  2. Call 911: Contact the police to report the hit-and-run accident. Provide them with as many details as possible, including the make and model of the other vehicle, if known.
  3. Document the Scene: If it is safe to do so, gather evidence at the scene of the accident. Take photos of the damage to your vehicle, any debris, and the surrounding area. Note the date, time, and location of the accident.

Remember, it’s essential to collect any witness statements and their contact information if there were bystanders who witnessed the hit-and-run. This information will be valuable when filing an insurance claim and assisting law enforcement in their investigation.

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The Impact of Hit-and-Runs on Car Insurance Rates in Massachusetts

Being involved in a hit-and-run accident can have significant consequences for your car insurance rates in Massachusetts. Insurance companies consider hit-and-runs as at-fault accidents because the responsible party cannot be identified. As a result, your insurer may view you as a higher risk and may increase your premiums. It is crucial to understand how hit-and-runs can affect your insurance rates and take appropriate action to mitigate any potential increases.

Taking Action After a Hit-and-Run in Massachusetts

Here are the essential steps to take after a hit-and-run incident:

  • Contact Your Insurance Company: Report the hit-and-run to your insurance company as soon as possible. Provide them with all the details of the accident and any evidence you have gathered. They will guide you through the claims process and assist in assessing the damage to your vehicle.
  • Filing a Police Report: Make a police report about the hit-and-run accident, even if the perpetrator has not been identified. The police report will serve as an official record and aid in the investigation.
  • Seek Legal Advice: If you were injured in the hit-and-run accident, you may need to consult with an attorney who specializes in personal injury cases. They can help protect your legal rights and pursue any necessary legal action.

Does Insurance Cover Hit-and-Runs?

Insurance coverage for hit-and-runs varies depending on your policy and the specific circumstances. Comprehensive coverage typically covers damage to your vehicle resulting from a hit-and-run, subject to your deductible. However, it is important to review your policy and speak with your insurance provider to understand the extent of your coverage and any limitations.

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Answers to Common Questions

Here are some frequently asked questions related to hit-and-run accidents in Massachusetts:

  1. What happens if the at-fault driver is found?
    If the at-fault driver in a hit-and-run accident is identified and apprehended, they may face criminal charges and civil liability for the damages. You can pursue a claim against their insurance policy or take legal action to seek compensation.
  2. What if I don’t have comprehensive coverage?
    If you don’t have comprehensive coverage, you may have limited options for recovering damages resulting from a hit-and-run accident. However, you can still report the incident to the police, provide them with any evidence, and consult with an attorney to explore other legal avenues.
  3. Can I avoid insurance rate increases after a hit-and-run?
    While insurance rate increases are often unavoidable after a hit-and-run accident, you can take proactive steps to mitigate the impact. Maintain a clean driving record, consider defensive driving courses, and shop around for the best auto insurance rates to potentially offset any rate increases.

Read more: Understanding The Consequences: Penalties For Driving Without Insurance In Massachusetts

Our Research Methodology

Throughout the creation of this article, we conducted careful research and analysis to ensure the accuracy and reliability of the information provided. We consulted reputable sources such as the Massachusetts Registry of Motor Vehicles, law enforcement agencies, and insurance industry experts.

More Articles You Might Find Helpful

If you found this article informative and want to learn more about auto insurance and navigating road accidents, here are some related articles that might interest you:

  • Understanding the Importance of Comprehensive Coverage
  • How to Deal with Uninsured Drivers in Massachusetts
  • Steps to Take After a Car Accident

Remember, being prepared and informed is key. By following the appropriate steps and understanding your rights, you can navigate the aftermath of a hit-and-run accident in Massachusetts with confidence.

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