Can you sue your own insurance if a hit and run driver leaves go to the hospital?
It is possible to sue your own insurance company if you are involved in a hit-and-run accident and the driver who hit you cannot be identified. However, the success of such a lawsuit will depend on the specific facts and circumstances of your case, as well as the terms and conditions of your insurance policy.
Under most standard auto insurance policies, you are entitled to make a claim for damages sustained in an accident, regardless of who is at fault. This means that you may be able to recover damages for your medical expenses, lost wages, pain and suffering, and other losses, up to the limits of your policy.
However, there are a few key conditions that must be met in order to make a successful claim against your own insurance company for a hit-and-run accident:
1) You must have uninsured/underinsured motorist coverage: This type of coverage provides protection in cases where the driver who caused the accident is uninsured, underinsured, or cannot be identified.
2) You must have filed a police report: In order to make a claim against your own insurance company, you must have filed a police report within a certain period of time after the accident. The specific time period will vary depending on the insurance company and state laws.
3) You must cooperate fully with your insurance company: You will need to provide your insurance company with all relevant information about the accident, including the date, time, location, and details of the damage to your vehicle. Your insurance company may also require you to provide a written statement or submit to an examination under oath.
If you meet all of these conditions, you may be able to recover damages for your hit-and-run accident from your own insurance company. However, it is important to note that some insurance companies may have additional requirements or limitations for hit-and-run claims, so it is always a good idea to consult with an experienced insurance attorney to discuss your specific case and determine your legal rights.