Experiencing a hit and run accident can be not only shocking but also frustrating and stressful. In Ontario, Canada, hit and run incidents, known legally as “fail to remain” collisions, unfortunately, occur, leaving victims unsure of their next steps. If you find yourself in such a situation where a driver has struck your vehicle and fled the scene, here’s what you need to know and what steps you should take to protect yourself and your rights.
Understanding “Fail to Remain” Collisions
A hit and run accident in Ontario is classified as a “fail to remain” collision if a driver leaves the scene of an accident without providing their contact and insurance information. This is a criminal offense under the Highway Traffic Act and can result in serious consequences for the driver who fled.
Immediate Steps to Take
- Ensure Your Safety: If you are able to, move your vehicle to a safe location to prevent further accidents or hazards.
- Assess Injuries: Check yourself and any passengers for injuries. If anyone is injured, call 911 immediately for medical assistance.
- Gather Information: Try to gather as much information as possible about the incident. This includes:
- Description of the Vehicle: Note down the make, model, color, and license plate number (even a partial one if possible) of the vehicle that hit you.
- Witnesses: If there are any witnesses to the accident, ask for their contact information. Witnesses can provide crucial statements that support your case.
- Accident Scene: Take photos of the damage to your vehicle, the location of the accident, and any relevant road conditions. These photos can serve as evidence later on.
Report the Incident: Immediately report the hit and run to the police. Provide them with all the information you have gathered, including any witness statements and photos. The police will file a report and investigate the incident.
Importance of Reporting
Reporting a hit and run incident is crucial for several reasons:
- Legal Compliance: By reporting the incident to the police, you fulfill your legal obligation under Ontario’s laws.
- Insurance Claims: A police report is essential for filing an insurance claim for the damages to your vehicle. Without a report, your insurance company may hesitate to process your claim or you may be subject to higher deductibles.
- Investigation: The police will investigate the hit and run, which may lead to identifying the driver responsible. This increases the chances of holding the responsible party accountable for their actions.
Dealing with Insurance After a Hit and Run
- Uninsured Motorist Coverage: In Ontario, uninsured automobile coverage is mandatory. This coverage can help compensate you for damages caused by an unidentified or uninsured driver in a hit and run accident. Contact your insurance provider to understand the specific details of your coverage.
- Claims Process: Notify your insurance company about the hit and run incident as soon as possible. Provide them with the police report number and any other documentation they require. They will guide you through the claims process and assess the damages to your vehicle.
- Legal Assistance: If the hit and run results in significant damages or injuries, consider seeking legal advice. A lawyer specializing in personal injury or motor vehicle accidents can help protect your rights and navigate any legal complexities.
Emotional and Practical Considerations
Experiencing a hit and run can be emotionally taxing. It’s important to:
- Seek Support: Lean on friends, family, or counselors for emotional support during this challenging time.
- Stay Informed: Stay updated on the progress of the police investigation and your insurance claim. This can provide a sense of control over the situation.
- Follow Up: Follow up with the police and your insurance company to ensure that the investigation and claims process are moving forward.
Preventative Measures for Future Incidents
To reduce the likelihood of being involved in a hit and run incident:
- Install a Dashcam: A dashcam can provide valuable evidence in case of an accident, including hit and runs.
- Park Safely: Park in well-lit areas and use designated parking spots whenever possible to minimize the risk of your vehicle being hit when unattended.
- Be Vigilant: Stay alert while driving and be aware of your surroundings. Defensive driving can help you anticipate and avoid potential accidents.
Conclusion
Dealing with a hit and run incident in Ontario is challenging, but taking prompt and decisive action can protect your interests and rights. By following the steps outlined above—reporting the incident to the police, contacting your insurance company, and seeking legal advice if necessary—you can navigate the aftermath of a hit and run with clarity and confidence. Remember, you are not alone in this process. Seeking support from loved ones and professionals can help alleviate the stress and uncertainty associated with such incidents.
