All guides and tools
After a hit-and-run, a claim usually runs through your own uninsured motorist coverage while the search for the driver goes on. The guides below cover that claim from the first hour to settlement, plus special cases such as having no UM coverage or a damaged parked car.
Tools and claim value
Hit and Run Claim Estimator
Enter documented losses, injury severity, your share of fault and a policy limit to get an informational claim range adjusted for your state's fault rule. It runs in your browser.
Open the estimatorHit and Run Settlement Calculator
The same multiplier-method estimator with a longer guide to the losses to gather, how non-economic damages are estimated and how identifying the driver changes which insurance can pay.
Open the calculatorAverage Hit and Run Settlement
Explains why published averages mislead: claims paid only through your own uninsured motorist (UM) coverage and claims against an identified driver's insurer play out differently. Covers the multiplier approach and what pushes a settlement up or down.
Read the guideYour situation
Hit and Run Driver Caught Later
What changes when the fleeing driver is identified later: how drivers are found after the fact, how their liability insurance opens a second path to recovery, and how the criminal case can produce evidence for your claim.
Read the guideHit and Run With No Insurance
Options when you have no UM coverage: identifying the driver, your own collision or health coverage, and crime victim compensation programs, plus what coverage to consider carrying going forward.
Read the guideHit and Run on a Parked Car
Steps after finding your parked car damaged: document the damage, file a police report, compare collision and uninsured motorist coverage, and use nearby cameras to track down the driver.
Read the guideSteps and timing
What to Do After a Hit and Run
Actions in order of urgency: call 911 and note what you remember about the vehicle, look for cameras and witnesses, see a doctor the same day and notify your insurer in the first days.
Read the guideHit-and-Run Claim Process
The four phases of a hit-and-run claim: the police report and UM notice, the search for the driver, building your UM demand, and arbitration or litigation if your insurer will not settle.
Read the guideHit-and-Run Settlement Timeline
How long a hit-and-run claim takes, from the investigation window and medical recovery to UM negotiation, and how identifying the driver late resets the clock.
Read the guideHit-and-Run Insurance Tactics
How your own insurer may resist a UM claim: physical-contact rules in some states, doubts about whether a hit-and-run happened, low offers framed as help, and surveillance or broad record requests.
Read the guideLooking for the fault rule where the crash happened? See the state pages.
Before you rely on any number here
This page is general information, not legal advice. Nothing on hitandrunlawyer.us creates an attorney-client relationship, and no estimate produced by the calculator is a valuation, a prediction or an offer.
HitAndRunLawyer.us is an independent informational website operated by Mustafa Bilgic, an individual who is not a licensed attorney and does not run a law firm. We do not accept cases, review documents, negotiate with insurers or refer you to a particular lawyer.
Deadlines, fault rules, damage caps and insurance requirements differ by state and change over time, and a missed deadline can end a valid claim permanently. Consult a licensed attorney in your state before you accept, reject or file anything. To find one independently, use your state bar's referral service or the American Bar Association's Find Legal Help directory.
- Sources: state comparative-fault statutes · Insurance Information Institute · Bureau of Labor Statistics · IRS Pub. 4345 · NHTSA
- Last reviewed 2026-10-10. Statutes, caps and fault rules change. Re-check anything time-sensitive with a licensed attorney.