A hit-and-run occurs when a driver fails to stop after causing a traffic accident. Whether he is responsible or not, this individual must, according to the law, complete the European accident report form with the opposing party.
The fact that the author of the accident fled creates confusion, not only in establishing the findings and determining responsibilities, but especially in terms of subsequent compensation, particularly if he cannot be found.
Actions to take in the event of a hit-and-run accident
If you are the victim of a hit-and-run accident, you must immediately notify the police so that they can draw up a report. If witnesses witnessed the accident, their testimony must be heard by the police to determine with greater certainty who is responsible.
And from an insurance point of view?
If you have taken out civil liability (RC) insurance, the repair of your bodywork is your responsibility since this type of insurance only covers damage to the vehicles of other victims of the accident. If the person responsible for the accident is found or turns himself in to the police, you can claim compensation from him. Taking out legal protection insurance allows you to receive assistance in these procedures. This also covers legal fees and costs.
If you have taken out full Omnium, the repairs carried out on your vehicle will be covered by the insurance. Otherwise, you can always turn to the Belgian Joint Guarantee Fund (BJGF) to request compensation if you are seriously injured in this accident and if the driver at fault cannot be found.
