Bị Tài Xế Khác Tông Rồi Bỏ Chạy (Victim of Hit-and-Run)

Chi tiết

• California Victim Compensation Board, victim có thể eligible cho medical/lost-income help, nhưng caps và eligible expenses thay đổi; check CalVCB current program before relying on a dollar amount.
• Uninsured Motorist (UM) coverage, pays covered damages when at-fault driver is uninsured, underinsured, or qualifies as hit-and-run under policy/statute conditions.
• UM Property Damage (UMPD), separate coverage cho xe damage. California has $250 deductible.
• Statute of limitations, personal injury 2 năm, property damage 3 năm.
• Nếu driver later identified and insured, claim may shift to liability/subrogation against that driver/carrier. UM remains important when the driver/vehicle is uninsured or qualifies as hit-and-run.

Các bước cần làm

1. Bước 1: Don't chase, chasing fleeing driver dangerous + can be charged with reckless driving yourself.
2. Bước 2: Call 911 immediately, give location, description of fleeing vehicle (color, make, partial plate).
3. Bước 3: Get witness contacts NGAY, witnesses are key to identifying fleeing driver.
4. Bước 4: Look for surveillance, businesses/houses near scene may have cameras.
5. Bước 5: File police report promptly và preserve report number; hit-and-run UM often requires prompt police report plus sworn statement to carrier within the policy/statutory window.
6. Bước 6: Notify carrier, UM claim với your own carrier when driver is unknown/uninsured; ask adjuster about the 30-day sworn-statement and physical-contact/unidentified-driver requirements.
7. Bước 7: Apply Crime Victims Compensation nếu eligible (low income, serious injury).

Lỗi thường gặp

• Không có UM coverage, California requires offer but allow waiver. Many policies waived UM unintentionally. Check declarations page.
• Skip police report hoặc sworn statement, carrier có thể deny UM hit-and-run claim if policy/statute conditions are not met.
• Wait to call 911, first 30 phút có cao nhất chance để find fleeing driver.
• Forget witnesses, even partial information helps police track suspect.

Tham khảo pháp luật

• CIC §11580.2 (UM coverage)
• CVC §20001 (felony hit-and-run)
• Government Code §13959 (Crime Victims Compensation)