Two Ways Insurers Try to Reduce Their Payouts After Hit and Run Accidents

Even the most careful and responsible of drivers in Louisiana sometimes end up in accidents. Unfortunately, the party at fault does not always remain at the scene to provide information and any type of assistance that might be needed.

With so many hit and run accidents happening each year, recovering compensation quite frequently proves difficult. Even once the other driver has been identified and made to admit culpability, some hurdles can still stand in the way.

A Variety of Factors Make It More Difficult to Recover Compensation for Damages

While most people are only rarely involved in accidents, insurance companies deal with the fallout from them regularly. In fact, insurers must keep the amounts they pay out down to remain viable, healthy businesses.

As a result, insurance companies will rarely be as generous about offering compensation as most drivers would hope. This is just as much true in situations where the other party fled from the scene and was only held accountable later on. Some of the issues that insurers will often try to bring up in order to minimize the compensation they have to provide include:

  • Shared responsibility. In many cases where a driver decides to escape from the scene of an accident instead of remaining, it will seem fairly obvious that this was an indication of guilt. Despite that, insurers often try later on to assign at least some portion of the blame to the driver who might reasonably be taken as the victim. This will most often be used as a means to cut the amount of proposed compensation by some set factor. That can leave an entirely innocent driver facing large medical or repair bills should the offer be accepted.
  • Unnecessary treatment. Arranging for medical attention after suffering an injury in an accident should always be a top priority. Insurers, though, will sometimes claim that treatments that were provided were not strictly necessary and should not be paid for.

Staying on the Scene is Always the Best Policy

Issues like these can make it seem as if drivers who flee after causing accidents have too much control over the situation. In practice, though, responsible drivers who stick around as they are supposed to will almost always fare better than others.