What if the driver who hit me was never identified?

You can typically still file a claim through your own uninsured motorist coverage, provided you reported the accident to police and your insurer promptly.

Will my insurance rates go up if I file a UM claim?

In Connecticut, insurers generally cannot raise your rates for filing a UM/UIM claim when you weren't at fault, but an attorney can confirm how this applies to your specific policy.

How long do I have to report a hit-and-run to make a claim?

Report it to police immediately and notify your insurer as soon as possible. Delay can give the insurer grounds to dispute the claim.

Hit-and-run or uninsured driver claim in Hartford

When the driver who hit you drives off, or turns out to have no insurance, a standard car accident claim against the other driver's policy isn't available. These cases route through your own uninsured/underinsured motorist (UM/UIM) coverage instead, and insurers are often more resistant to paying out on their own policyholder's UM claim than they are to settling a normal third-party claim.

This requires an attorney who knows how to build the file without a cooperative at-fault driver: pulling any traffic camera or doorbell footage nearby, working with police on hit-and-run identification, and pushing your own insurer to honor the UM coverage you paid for.

If you were a pedestrian or cyclist hit by an unidentified driver, or a passenger in a car hit by someone uninsured, this same path applies and is worth raising in your first call.

What it costs

These claims are handled on contingency just like standard car accident cases. Because UM/UIM claims are filed against your own insurer, some attorneys note the negotiation can take longer, but the fee structure and lack of upfront cost stay the same.

Top 3 by our score

Ranked from our published scoring of public Google reviews for car accident attorney.

1. Law Office of Michael L. Chambers, Jr., Car Accident & Personal Injury Attorneys
5.0★ · 315 reviews

94
2. McCoy & McCoy - Car Accident & Personal Injury Lawyers
4.9★ · 256 reviews

92
3. The Haymond Law Firm - Car & Motorcycle Accident Attorneys
4.8★ · 230 reviews

91

FAQ

What if the driver who hit me was never identified?: You can typically still file a claim through your own uninsured motorist coverage, provided you reported the accident to police and your insurer promptly.
Will my insurance rates go up if I file a UM claim?: In Connecticut, insurers generally cannot raise your rates for filing a UM/UIM claim when you weren't at fault, but an attorney can confirm how this applies to your specific policy.
How long do I have to report a hit-and-run to make a claim?: Report it to police immediately and notify your insurer as soon as possible. Delay can give the insurer grounds to dispute the claim.