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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: Dec 11, 2023

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Steps To Take After A Hit-And-Run Incident In New Hampshire

Being involved in a hit-and-run incident can be a stressful and overwhelming experience. It’s important to know the steps you should take to protect yourself and ensure that justice is served. In this article, we will guide you through the necessary actions to take after a hit-and-run incident in New Hampshire.

Our Commitment to The Obrella Guarantee

At Obrella, we understand the importance of providing accurate and reliable information to our readers. We are committed to helping you make informed decisions, especially in difficult situations like a hit-and-run incident. Rest assured that the steps we recommend are based on expert advice and legal guidelines.

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Finding the Best Auto Insurance Rates: A Comprehensive Comparison

Before delving into the specific steps to take after a hit-and-run incident, let’s first discuss the importance of having the right auto insurance coverage. It’s crucial to find the best rates and coverage options for your needs. Conducting a comprehensive comparison of different insurance providers will ensure that you are adequately protected in case of an accident.

Consider factors such as the provider’s reputation, customer service, and coverage options. Take your time to review policies, read customer reviews, and obtain quotes from multiple providers. This way, you can make an informed decision and choose the auto insurance policy that best suits your needs.

Understanding Hit-and-Runs in New Hampshire

Before you find yourself in a hit-and-run situation, it’s important to have a clear understanding of what constitutes a hit-and-run in New Hampshire. In this state, a hit-and-run occurs when a driver involved in an accident fails to stop and provide their contact and insurance information to the other parties involved.

It’s crucial to note that leaving the scene of an accident, even if you were not at fault, is a criminal offense punishable by law. Being aware of the consequences can help you better protect yourself in case you are ever involved in a hit-and-run incident.

Navigating New Hampshire’s Hit-and-Run Laws

New Hampshire has specific laws in place to address hit-and-run incidents. If you are involved in a hit-and-run, it’s important to follow the legal process to ensure that justice is served.

  1. Immediately report the incident: As soon as the hit-and-run occurs, call the local authorities to report the incident. Provide them with as much information as possible, including a description of the vehicle and driver involved.
  2. Seek medical attention if necessary: If you or anyone involved in the incident requires medical attention, call for emergency services immediately. Your health should always be the priority.
  3. Gather evidence: If it is safe to do so, gather evidence at the scene of the incident. Take photos of the damage to your vehicle, any skid marks, and any other relevant details. This evidence can be vital in proving who was at fault and assisting law enforcement in their investigation.
  4. Collect eyewitness accounts: If there were any witnesses to the hit-and-run, collect their contact information and ask for a statement regarding what they saw. Eyewitness accounts can further strengthen your case.
  5. Notify your insurance provider: Contact your auto insurance provider as soon as possible to report the incident. Provide them with all the details you have gathered, and they will guide you through the claims process.
  6. Consult with an attorney: In serious hit-and-run cases, it may be beneficial to consult with an attorney who specializes in personal injury and car accidents. They can provide valuable legal advice and represent your interests.

Remember, every hit-and-run incident is unique, and the specific steps you need to take may vary. However, following these general guidelines will help ensure that you are taking the necessary actions to protect yourself and seek justice.

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

One concern many individuals have after a hit-and-run incident is the potential impact on their car insurance rates. Unfortunately, being a victim of a hit-and-run can still affect your rates, even if you were not at fault.

Insurance companies consider hit-and-runs as “uninsured motorist claims,” which can result in increased premiums. However, each insurance provider has different policies, so it’s crucial to discuss your specific situation and policy details with your insurance agent.

6 Essential Steps to Take After a Hit-and-Run in New Hampshire

When faced with a hit-and-run incident, it’s crucial to take immediate action. Here are six essential steps to guide you through the process:

  1. Stay calm and stay safe: Your safety should always be the top priority. Assess the situation, and if necessary, move your vehicle to a safe location.
  2. Call the authorities: Contact the local police or emergency services to report the incident. Provide them with accurate and detailed information about what occurred.
  3. Gather information: Collect as much information as possible about the incident. This includes the make, model, and license plate number of the other vehicle involved, as well as any details about the driver.
  4. Document the scene: Take photos of the damage to your vehicle and any other relevant details at the scene. This evidence can be crucial for insurance claims and legal proceedings.
  5. Speak with witnesses: If there were any witnesses to the incident, gather their contact information. Their testimony may play a crucial role in identifying the responsible party.
  6. Contact your insurance company: Report the hit-and-run to your insurance provider as soon as possible. Provide them with all the relevant information and follow their guidance on filing a claim.

By following these steps, you are maximizing your chances of resolving the hit-and-run incident and protecting yourself.

Unraveling the Mystery: Will Insurance Cover a Hit-and-Run?

Many individuals wonder if their insurance will cover damages and injuries resulting from a hit-and-run incident. The good news is that most insurance policies include coverage for such incidents.

Uninsured motorist coverage, which is required in New Hampshire, can help protect you in hit-and-run scenarios. This coverage is designed to compensate you for damages and injuries caused by an uninsured or unidentified driver.

However, it’s important to thoroughly review your policy details and consult with your insurance provider to fully understand the coverage available to you.

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Answers to Your Frequently Asked Questions

We understand that you may have additional questions about hit-and-run incidents in New Hampshire. Here are answers to some commonly asked questions:

  • What should I do if I witness a hit-and-run?
  • How can I protect myself from hit-and-run incidents?
  • Will my insurance rates increase if I’m a victim of a hit-and-run?
  • Can I still file a claim with my insurance even if I don’t have uninsured motorist coverage?

For detailed answers and more information on these and other questions, consult our comprehensive FAQ section on hit-and-run incidents in New Hampshire.

Further Reading: Related Articles for In-Depth Information

For those seeking more in-depth information on hit-and-run incidents in New Hampshire, we recommend exploring the following articles:

  1. “Understanding the Legal Consequences of Hit-and-Runs in New Hampshire” – Learn about the criminal charges and penalties associated with hit-and-runs in the state.
  2. “How Hit-and-Run Incidents Affect Insurance Claims” – Discover the impact of hit-and-run incidents on insurance claims and rates.
  3. “Steps to Take After a Hit-and-Run: A Comprehensive Guide” – Dive into a detailed guide on what to do immediately following a hit-and-run incident.

These articles will provide you with the knowledge and insights needed to navigate hit-and-run incidents effectively.

Remember, being involved in a hit-and-run incident can be challenging, but taking the right steps can make all the difference. By staying calm, following legal procedures, and seeking support from your insurance provider, you’ll be on the path to resolving the incident and protecting your interests.

At Obrella, we are dedicated to helping you make informed decisions. We advise you to consult with legal professionals and insurance experts for personalized advice on your specific hit-and-run incident in New Hampshire.

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