Indiana laws require drivers to remain at the site of a vehicle accident and contact emergency personnel.
However, in 2019, the Indiana University Public Policy Institute reported that drivers left the scene in 13% of vehicle collisions. Since Indiana is an at-fault state, you may need to work with your car insurance if you get hit by a fleeing driver.
Filing a claim with your car insurance policy
Your car insurance liability policy pays for injuries and damage to other drivers and their vehicles if you cause an accident. It does not cover you or your vehicle, even in a hit-and-run collision. Instead, any of the following additions to your standard policy may cover your expenses.
- Med Pay – This addition pays for medical expenses for you and your passengers regardless of who caused an accident
- Personal Injury Protection (PIP) – Like Med Pay, PIP covers medical expenses no matter who is at fault, and it also provides funds to cover lost wages and childcare
- Uninsured Motorist (UM) Coverage – Purchasing this addition protects you against drivers who do not have insurance or leave the scene of an accident. UM coverage might also pay for damage to your vehicle.
Locating the driver
Contact law enforcement immediately if you are in an accident and the at-fault driver leaves the scene. They may assist in locating the driver, which allows you to file a claim against his or her car insurance policy. Hit-and-run accidents can also result in misdemeanor or felony charges against the driver.
Protect yourself against hit-and-run drivers by adding additional coverage to your car insurance policy.