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Who pays for injuries after a hit-and-run accident?

In recent news, a 24-year-old woman struck and killed three children who were crossing the street at a bus stop in Indiana. A fourth child was also hit by the car and taken to the hospital with life-threatening injuries. All three children killed were siblings.

While the woman who struck the children has been charged with three accounts of homicide and one account of causing bodily injury, many families of victims injured in car accidents do not receive the same justice. When a family member is involved in a hit-and-run accident, it can be devastating. It can be even more devastating when a loved one is facing medical bills from a hit-and-run and is unsure how he or she is going to pay for them.

Types of insurance coverage that will help pay for your injuries

While making a claim for personal injury after a hit-and-run is complex, there are ways you can do it. There are generally two types of policies that will cover you:

  1. Personal injury protection coverage: This type will likely cover a person's medical expenses no matter who is at fault in a car accident. It can also cover loss of wages and transportation to medical visits. While this type of coverage is mandatory in some states, it is optional in Rhode Island. If you are a Rhode Island resident, you might want to contact your insurance company to determine your coverage.
  2. Uninsured motorist bodily injury coverage: This type of coverage normally covers medical expenses for your injuries when an uninsured driver hits you. However, it can also cover your medical costs when you are a victim of a hit-and-run accident. While Rhode Island does not require drivers to have uninsured motorist coverage, it can be a good policy to purchase.

Around 700,000 hit-and-run accidents occur each year, causing over 2,000 deaths and injuring over 150,000 people. If you or your loved one suffers an injury in a hit-and-run accident, speak to a local attorney to receive the compensation you deserve.

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