Imagine this scenario: you are driving home from work on a typical Friday when suddenly, another car crashes into yours. Before you can even register what happened, the at-fault driver flees the scene, leaving you shaken and unsure of what to do next. You call 911, and as you wait for the police to arrive, you take stock of the damage. As the reality of the situation sets in, you start to worry about what comes next.
This may sound like a scene from a TV drama, but this scenario is a daunting reality for thousands of drivers in the U.S. each year. From the moment law enforcement arrives at the scene to the final resolution of your insurance claim, knowing what to expect from the investigation is a crucial part of protecting your interests.
Law enforcement’s role in the investigation
Once the police arrive at the scene, they will start gathering crucial information. They will ask you to provide a detailed account of the incident, including a description of the fleeing vehicle. Every detail matters – from the car’s color and make to any partial license plate numbers you might have caught.
Depending on the severity of the accident, penalties for hit-and-run in Georgia can include fines, license suspension and even jail time. Thus, your cooperation during this stage is vital. The more information you can provide, the better chance law enforcement has of identifying the responsible party.
Insurance company investigation
After filing a police report, your next call should be to your insurance company. Your prompt notification about the accident will trigger them to initiate their own investigation and process your claim. Your insurance company will request a comprehensive report of the incident, including any evidence you have collected. They may also dispatch an adjuster to examine your vehicle and assess the repair costs. Remember that your insurance company’s primary focus is settling your claim rather than catching the culprit.
It is also essential to keep in mind that Georgia follows a “fault” system for car accidents. Under this system, the at-fault driver bears responsibility for the resulting damages. However, in hit-and-run situations where the at-fault driver remains unidentified, you might need to turn to your own insurance policy for coverage.
Taking back control
Hit-and-run accidents can turn ordinary commutes into nightmares, leaving you to face a complex landscape of legal and insurance challenges. However, by understanding the investigation process, you can take control of your situation and ensure that you receive the justice you deserve.
