In Missouri, there are numerous rules that apply to drivers. They need to have a license. They need to carry insurance. They also need to follow traffic regulations. Those rules govern everything from the use of turn signals to the speed at which vehicles travel.
Unfortunately, it is very common for people to regularly break traffic statutes. People run red lights or drive while drunk. Their behavior may then directly lead to a motor vehicle collision. Some people are so eager to avoid responsibility for a crash that they flee the scene, breaking yet another state statute.
Missouri law requires that people report collisions when they occur, but not everyone follows that rule. Can someone involved in a hit-and-run crash seek compensation for the losses they experience?
Insurance rules address this exact risk
In many states, people must be able to identify the driver at fault to secure coverage, as they can only rely on the liability policy of the driver who caused the crash. Missouri actually requires different types of insurance coverage than many other states. In addition to the basic liability coverage to pay for property damage expenses or injuries to people, drivers have to carry a minimum amount of uninsured motorist coverage. That coverage can help pay for the losses generated in a hit-and-run crash. Still, an uninsured driver claim can be difficult for someone to manage on their own.
Finding the driver is another option
Police officers do investigate hit-and-run crashes, although they may not spend much time on any individual case. There are numerous potential ways to track down a hit-and-run driver, including reviewing traffic camera footage. An attorney can often assist those trying to track down a hit-and-run driver. They can manage communications with the police department and can help the affected party review their options. If someone affected by a hit-and-run crash identifies the driver at fault, they may have the option of filing a liability-based insurance claim or even a lawsuit.
Knowing how people secure compensation after hit-and-run crashes can be beneficial for diligent drivers who do their best to follow the law. Those who understand their options can potentially hold other people accountable for breaking the law, or can at least limit their personal financial setbacks after a wreck.