There is a hit-and-run offense when a driver does not stop after causing a traffic accident. Whether responsible or not, this individual must, according to the law, fill out the European accident report form with the opposing party.
The fact that the perpetrator of the accident fled creates confusion, not only in establishing the reports and determining responsibilities but especially in terms of subsequent compensations, particularly if they are untraceable.
Actions to take in case of an accident with a hit-and-run
If you are a victim of an accident with a hit-and-run, you must immediately notify the police so they can establish an official report. If witnesses were present at the accident, their testimony should be heard by the police to more accurately determine responsibilities.
And from the insurance perspective?
If you have taken out liability insurance (RC), the repair of your bodywork is your responsibility since this type of insurance only covers damages to the vehicles of other victims of the accident. If the perpetrator of the accident is found or turns themselves in to the police, you can claim compensation from them. Taking out Legal Protection insurance allows you to receive assistance in these procedures. It also covers legal fees and court costs.
If you have taken out comprehensive Omnium insurance, the repairs undertaken on your vehicle will be covered by the insurance. Otherwise, you can always turn to the Belgian Common Guarantee Fund (FCBG) to seek compensation if you are seriously injured in this accident and the at-fault driver is untraceable.