Experiencing a hit and run accident can be both alarming and stressful. In Ontario, such incidents are legally referred to as “fail to remain” collisions. When a driver strikes your vehicle and leaves without providing contact or insurance information, it’s important to know the proper steps to protect yourself, your legal rights, and your insurance coverage.
What Constitutes a “Fail to Remain” Collision
A hit and run occurs when a driver leaves the scene of an accident without exchanging necessary details. Under Ontario’s Highway Traffic Act, this is a criminal offence, and those responsible may face significant legal consequences.
Steps to Take Immediately After a Hit and Run
- Ensure Safety: Move your vehicle to a safe location if possible to prevent further accidents.
- Check for Injuries: Assess yourself and passengers for injuries. Call 911 immediately if medical attention is needed.
- Document the Scene: Collect as much information as possible, including vehicle description, license plate details, witness contacts, and photos of the scene and damage.
- Report to the Police: Notify local law enforcement immediately. Provide all gathered evidence to facilitate their investigation.
Why Reporting is Essential
Reporting a hit and run incident is vital for legal, insurance, and investigative purposes. It ensures compliance with Ontario law, supports your insurance claim, and increases the likelihood of identifying the responsible driver.
Navigating Insurance After a Hit and Run
Ontario drivers have mandatory uninsured motorist coverage, which can cover damages caused by unidentified or uninsured drivers. Contact your insurance provider promptly, provide the police report, and follow their claims process. For significant injuries or property damage, legal consultation can help safeguard your rights.
Managing the Emotional Impact
Hit and run accidents can be stressful. Seek support from friends, family, or professionals, and stay updated on police investigations and your insurance claim. Following up ensures the process continues efficiently.
Preventative Measures
Consider installing a dashcam, parking in well-lit areas, and practicing vigilant, defensive driving to minimize the risk of future incidents.
By taking prompt, structured action, you can navigate the aftermath of a hit and run confidently and protect both your legal and financial interests.