The guidelines and necessary proceedings for a hit-and-run car accident are defined in Section 161 of the Indian Motor Vehicles Act. If you happen to get involved in an accident of this nature, here is what you need to do in order to claim hit and run insurance coverage.
Though difficult, remaining calm and alert in the unfortunate event of an accident eventually turns out to be extremely useful. Do not try to follow the offender– not only will you be unable to catch up, but you may also lose access to important witnesses at the accident scene.
Instead, try noting the fleeing car’s details like the number and car model. This information can help the police and other involved authorities gather crucial information and clues.
It is very important to talk to the witnesses and ask if they are willing to testify for you. If yes, take their names and numbers. Witness testimony not only strengthens the case for hit and run insurance compensation, but it also assists the lawful authorities to track down the suspect much quickly.
A First Information Report or FIR is a report that the police prepares to register an accident and document all the information that the hit and run insurance claimant provides. Only after the FIR is filed do the police begin the necessary investigations on the case.
After these basic steps are covered, the claimant can apply for hit and run insurance compensation in the following manner:
Note: Currently, there is no restriction/limit concerning the number of days after the accident, within which the compensation application must be filed.
In case the hit and run insurance compensation has already been paid out, the claimant will need to refund the money. To this end, the hit and run insurance claimant will also need to submit an undertaking in accordance with the Indian Motor Vehicles Act.
The hit and run insurance compensation is paid out from a Solatium Fund. This hit and run insurance fund is a scheme formed by the Central Government to compensate victims of hit-and-run car accidents. The Solatium Fund is contributed by the general insurance industry as per an agreed formula.
Adversity is uninvited and unavoidable. However, having a car insurance policy in place and keeping the above points in mind can help one claim hit and run insurance.
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