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Laura Berry

Former Insurance Agent

Former Insurance Agent

Joshua Adamson

Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

UPDATED: Aug 18, 2023

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Steps To Take After A Hit And Run Incident In Tennessee

In the unfortunate event of a hit and run incident in Tennessee, it’s essential to know the steps to take to protect yourself and ensure justice is served. Here at Obrella, we take pride in providing you with reliable and accurate information. Our commitment is to assist you in navigating the often-complicated world of hit and run cases. In this article, we’ll guide you step by step, providing valuable insights and support during this challenging time.

Our Commitment to The Obrella Promise

At Obrella, we understand the impact a hit and run incident can have on your life. That’s why we strive to uphold the highest standards of ethical integrity and provide you with unbiased and accurate information. Our team of experts works diligently to research and analyze the most recent laws and regulations, ensuring that you have the knowledge you need to navigate the aftermath of a hit and run incident.

With our dedication to editorial integrity and commitment to our readers, Obrella is your trusted source for guidance in these situations.

Upholding Editorial Integrity: Our Ethical Standards

As unbiased and ethical journalists, we at Obrella adhere to strict guidelines when presenting information. Our goal is to provide you with accurate and well-researched content. To achieve this, our team of experts sources information from reputable authorities, such as law enforcement agencies, legal professionals, and government bodies. We strive to ensure that our articles are objective and provide you with the most up-to-date and accurate information available.

How We Ensure Unbiased and Accurate Information

Before we dive into the specific steps to take after a hit and run incident in Tennessee, let’s take a moment to understand how Obrella maintains its commitment to unbiased and accurate information. Our editorial team follows a rigorous fact-checking process, cross-referencing multiple sources to verify the information we present to you. Additionally, we regularly review and update our articles to reflect any changes in laws, regulations, or best practices relevant to hit and run incidents.

Rest assured that when you trust Obrella as your go-to resource for hit and run guidance, you can rely on our commitment to providing you with the most accurate and reliable information possible.

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Finding the Best Auto Insurance Rates

Now that we’ve established Obrella’s commitment to integrity, let’s move on to the practical steps to take after a hit and run incident in Tennessee. The first step in protecting yourself financially is ensuring you have the right auto insurance coverage, including coverage for hit and run incidents.

The Impact of Rate Increases: What You Need to Know

When filing an insurance claim for a hit and run, it’s crucial to understand how it may impact your insurance rates. In some cases, filing a claim can result in increased premiums. Insurance companies determine rates based on various factors, including claim history. If you have a clean driving record and this is your first at-fault incident, it may not significantly affect your rates.

However, it’s important to reach out to your insurance provider and discuss the specifics of your situation. They’ll be able to give you a clear understanding of how filing a hit and run claim may impact your rates.

Factors That Affect Auto Insurance Rates

It’s important to note that insurance providers consider several factors when determining auto insurance rates. These factors may include your driving history, credit score, age, type of vehicle, and even your location. By understanding these factors, you can better navigate the insurance landscape and find the policy that suits your needs.

When reviewing your options, consider reaching out to multiple insurance providers to compare rates and coverage. This will ensure that you are getting the best possible deal while still obtaining the coverage needed for hit and run incidents.

Understanding Hit-and-Runs in Tennessee

Before diving into the steps to take after a hit and run incident, it’s essential to familiarize yourself with the specific laws and regulations surrounding hit-and-runs in Tennessee.

In Tennessee, a hit and run occurs when a driver involved in an accident fails to stop or provide the necessary information to the other party involved. Leaving the scene of an accident, especially when it results in injury or property damage, is a serious offense and can lead to criminal charges.

Taking Action After a Hit-and-Run in Tennessee

If you find yourself involved in a hit and run incident in Tennessee, it’s crucial to take immediate action to protect your rights and ensure that the responsible party is held accountable. Here are some steps to follow:

Navigating Tennessee’s Hit-and-Run Laws

  1. Ensure Safety and Seek Medical Attention: The first priority is your safety and the well-being of any injured individuals. If necessary, call 911 and seek medical attention for yourself or others involved.

  2. Document the Scene: If possible, take photos or videos of the accident scene, including any damages to your vehicle and surrounding objects. This evidence may be useful during the investigation process.

  3. Collect Witness Information: If there were any witnesses to the incident, try to obtain their contact information. Their accounts may be valuable when filing a police report or insurance claim.

  4. File a Police Report: Contact local law enforcement to report the hit and run incident. Provide them with all relevant details, including a description of the vehicle and driver if available. The police report is vital for insurance claims and any potential legal action.

  5. Notify Your Insurance Provider: Report the hit and run incident to your insurance company as soon as possible. They will guide you through the claims process and advise you on the specific steps to take.

  6. Follow Up on the Investigation: Stay in touch with the investigating officer and provide any additional information that may arise. Cooperating with law enforcement may increase the chances of identifying the responsible party.

  7. Consider Legal Assistance: If the hit and run incident results in significant damages or injuries, consulting with an attorney who specializes in personal injury or auto accidents may be beneficial. They can provide guidance on legal options and help protect your rights.

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Will Your Insurance Cover a Hit-and-Run?

One common question that arises after a hit and run incident is whether your insurance policy will cover the damages or injuries sustained. Policies can vary, so it’s essential to review your specific coverage with your insurance provider.

In some cases, if you have uninsured or underinsured motorist coverage, it may provide financial protection in hit and run situations. This coverage is designed to step in when the responsible party cannot be identified or does not have sufficient insurance coverage.

Reach out to your insurance provider to discuss the details of your policy and understand what coverage is available to you in the event of a hit and run.

Clearing Up Common Questions About Hit-and-Runs

Lastly, we’ll address some common questions and concerns that individuals often have after experiencing a hit and run incident:

  • Can I be held responsible for a hit and run if I wasn’t at fault? In most cases, if you were not the driver involved in the hit and run incident, you cannot be held responsible. However, it’s crucial to cooperate with the investigating authorities and provide accurate information to assist in the investigation process.

  • What if I only have liability coverage? Liability coverage typically only covers damages to the other party involved in an accident. In hit and run incidents, it may not provide coverage for your own vehicle’s damages. Review your policy and consider additional coverage options to protect yourself in these situations.

  • How long do I have to file an insurance claim after a hit and run? It’s best to contact your insurance provider as soon as possible after the incident. While specific timelines may vary by insurance company, reporting the incident promptly will ensure a smoother claims process.

  • Is it illegal to leave the scene of an accident even if it’s a minor collision? Yes, it is against the law to leave the scene of an accident without providing the necessary information, regardless of the severity of the collision. Always take the responsible action and follow proper procedures when involved in any accident.

By following the steps outlined in this article, you can navigate the aftermath of a hit and run incident in Tennessee with confidence. Remember to prioritize your safety, follow legal and insurance protocols, and reach out to professionals when needed. Obrella is here to support you, providing valuable information to help you make informed decisions during this challenging time.

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