A hit-and-run crash leaves you injured and uncertain about your next move. The actions you take in the first hours can protect your health and strengthen your insurance claim.
Call 911 and remain at the scene
Put your safety first. Call 911 immediately if anyone suffers an injury or if property damage exceeds $1,000.
Texas Transportation Code § 550.021 requires drivers to stop, render aid and remain at the scene after a crash that involves injury. When the other driver flees, you need a police report to document the collision and trigger an investigation. Officers can search for the vehicle while physical evidence remains available.
Do not chase the fleeing driver. You increase your risk of further harm if you pursue them.
Seek medical care right away
Visit a doctor as soon as possible, even if you feel stable. Adrenaline can hide symptoms of concussions, internal bleeding and soft tissue injuries.
Prompt treatment protects your health and creates a clear medical record. Insurance adjusters often examine how quickly you sought care when they evaluate your claim.
Document the scene thoroughly
Gather as much information as you can before you leave the area. Focus on specific, detailed observations:
- Vehicle description: Color, make, model, visible damage, partial plate number.
- Direction of travel: The route the driver used to flee.
- Scene conditions: Skid marks, debris, traffic signs, lighting.
- Witness information: Names and phone numbers.
- Surveillance sources: Nearby homes or businesses with cameras.
Take clear photos of your injuries, vehicle damage and the surrounding area. Video footage from security systems may get overwritten within days. Quick documentation can strengthen both a police investigation and an uninsured motorist claim.
Notify your insurance company promptly
Report the crash to your insurer within 24 to 72 hours. Late reporting can jeopardize coverage. If police cannot identify the driver, you may file a claim under uninsured motorist coverage. UM coverage in Texas may help pay for:
- Medical expenses: Hospital bills and follow-up treatment.
- Lost wages: Income you miss during recovery.
- Pain and suffering: Non-economic losses tied to your injuries.
Insurers usually require a timely police report before they approve UM benefits.
Consider speaking with a personal injury attorney
Hit-and-run claims often involve disputed facts and coverage questions. An attorney can review your policy, assess available benefits and protect your rights during negotiations with the insurer.