Being hit by a driver who then flees adds insult to injury. The good news is that Montana victims of hit-and-run crashes often still have a way to recover — usually through their own insurance.
Uninsured Motorist Coverage to the Rescue
When the at-fault driver can't be identified, your own uninsured motorist (UM) coverage typically steps in. A hit-and-run driver is treated as an uninsured motorist for this purpose, allowing you to claim against your own policy for your injuries.
This is one of the strongest reasons to carry solid UM coverage in Montana, where rural roads and long distances can make fleeing drivers harder to catch.
What to Do After a Hit-and-Run
Immediately after a hit-and-run, try to note anything you can about the vehicle — make, model, color, partial plate, direction of travel. Call the police right away so there's an official report, seek medical care, and look for witnesses or nearby cameras. The more information gathered, the better the chance of identifying the driver.
Even if the driver is never found, this documentation supports your uninsured motorist claim.
Dealing With Your Own Insurer
A UM claim is filed against your own insurance company, but don't assume that makes it easy. Your insurer may still scrutinize and minimize the claim. The same care you'd take with another driver's insurer applies here — and an attorney can handle the claim so you're not negotiating alone.
Your premiums paid for this coverage; it exists precisely for situations like a hit-and-run.
Get Help With Your Hit-and-Run Claim
If you've been hurt by a driver who fled in Montana, you may have more options than you think. An attorney can pursue them.
Call 973-566-5599 for a free, confidential review.
Frequently Asked Questions
Often yes. Your uninsured motorist coverage typically treats a hit-and-run driver as uninsured, letting you claim against your own policy.
That depends on your insurer and policy. Regardless, the coverage exists to protect you in exactly this situation, and an attorney can handle the claim.
Have questions about your own situation? Get a free, confidential case review. You pay no fee unless you win. Call 973-566-5599.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Montana attorney. Injury Claim Team is a legal referral and lead-generation service, not a law firm.