如果自己的车被hit and run应该做什么
Hit & Run Claims: Needs to be done right.
After my vehicle accident, the other driver left the scene before I could obtain his licence plate number. Do I have a claim for damages? What do I do?
You should obtain legal advice immediately in the case of a hit and run accident.
You may have a claim for damages against ICBC under your own insurance policy or the policy of a member of your household, but you must strictly comply with the conditions of your insurance policy. These conditions were created in an effort to avoid fraudulent hit and run claims.
You must make “all reasonable efforts” to ascertain the identity of the unknown driver and owner. A judge or jury is ultimately responsible for deciding whether or not you made “all reasonable efforts” if ICBC denies that you did so. Case law has developed as to what this phrase means. Below are some of the steps you could take to help ensure you meet the requirements:
Contact the police immediately (this is mandatory);
Look for debris and skid marks from the vehicles at the accident scene. Measure the skid marks and take photographs that clearly show the location of this evidence. Collect the debris (if the police do not do this) or first ask a lawyer whether you should have an accident reconstruction engineer attend the scene right away;
Phone ICBC Dial-a-Claim. You can’t report hit and run claims on-line;
Speak to residents and businesses located near the accident scene. Did anyone see the accident or its aftermath? If so, did they note the colour, model or plate number of the other vehicle? Did they note the names of any witnesses?
Near the scene, put up large, clearly-written signs seeking witnesses to the accident. Take photographs of the signs. Use the date stamp option on the camera to show when the photographs were taken;
Put ads in local newspapers seeking witnesses to the accident. Tear out the entire page from the newspaper to prove what dates you ran the ads;
Follow up with the police officer responsible for investigating the accident a few times by phone to see if he or she has obtained any leads. Remember, the person who hit you and left the scene will likely need to have his vehicle repaired;
make detailed notes of every step you take to ascertain the identities of the other driver and owner of the vehicle.
Under B.C.’s Insurance (Motor Vehicle) Act, automatic coverage up to a maximum of $200,000 is available to B.C. residents whose property is damaged, or who are injured or killed by an uninsured or hit-and-run driver on a highway in British Columbia. This benefit is separate from the coverage afforded by your basic compulsory insurance and is available to all B.C. residents, even if they don’t own and insure a vehicle.
Some Canadian provinces have special funds set up to pay for uninsured or unidentified motorist bodily injury claims. Some funds cover injury only while others may also pay for property damage subject to a deductible.
However, since the Yukon, Northwest and Nunavut territories, and most U.S.A. states, do not have such funds, Basic Autoplan also covers you if you are injured or killed in a crash on a highway in any of these jurisdictions if the crash is caused by a hit-and-run driver or one who is uninsured. The coverage is limited to the equivalent of whatever compulsory Third-Party Legal Liability limit applies in the jurisdiction where the crash occurred, or $200,000, whichever is less. This coverage does not include damage to your vehicle.
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