What to do immediately
Report it to the police. Today.
A UM claim generally requires a prompt police report, and a gap is the first thing your insurer will point at.
Report it to your own insurer. Also promptly.
Notice requirements are in your policy and they are enforced.
Get examined.
Even if you feel fine. Injuries surface late, and the medical record is the case.
Look for cameras.
Doorbell cameras, business security footage, traffic cameras. This footage is routinely overwritten within days. Someone needs to be asking for it right now, and that someone should be a lawyer.
Hit and run claims run through your own uninsured motorist coverage. That coverage exists precisely for this.
Common questions
They never caught the driver. Can I still recover?
Often yes, through your uninsured motorist coverage. That coverage exists precisely for this.
How long do I have to report it?
Sooner than you think. Policy notice provisions are strict, and a delay can defeat an otherwise valid claim. Call today.