UM/UIM Claim Mechanics
In many hit-and-run cases, your own insurer becomes the primary recovery path through UM/UIM coverage.
Document all contact attempts and adjuster responses in writing for timeline clarity.
Hit-and-Run Accident Guide in Colorado: UM/UIM Claims and Evidence Preservation
Hit-and-run crashes require fast evidence collection and immediate coverage strategy, often through your own UM/UIM policy path.
Key Takeaways
- Report quickly and retain the incident ID and police report details.
- Preserve witness contacts, camera leads, and vehicle transfer evidence.
- Request UM/UIM claim handling in writing early.
Critical First 24 Hours
Gather nearby camera opportunities quickly and ask businesses about retention timelines.
Record vehicle damage, debris field, and witness observations before conditions change.
Frequently Asked Questions
Can I file a claim if the other driver is never found?
Yes, UM/UIM coverage may apply even when the fleeing driver is unidentified.
Do I need a police report for a hit-and-run claim?
In most cases yes. Report documentation is central to claim validation and insurer review.
What if the insurer questions whether contact happened?
Use photos, debris evidence, witness statements, and timeline records to support impact verification.