Injured in a Michigan Hit-and-Run: Evidence and Coverage

After a hit-and-run injury, medical needs and reporting come first. The insurance investigation can continue even if the driver is never identified. Preserve evidence of the other vehicle and have the applicable policy reviewed promptly; reporting and proof requirements are not identical in every policy.

Prove what happened before the vehicle is repaired

Photograph damage, paint transfer, debris, and the surrounding roadway when safe. Keep original files and the damaged vehicle’s inspection information. Do not remove paint markings or discard parts before discussing preservation with counsel.

In a case previously reported by our office, preserving paint transfer allowed scientific analysis supporting the involvement of another automobile. That example illustrates the value of physical evidence; it does not establish what proof a different policy or collision will require.

Make the report and preserve the timeline

Record the location, time, direction of travel, vehicle description, and any partial plate information. Distinguish what you saw from what someone else told you. Save the police incident number and identify nearby cameras and witnesses quickly.

• Keep witness names and contact details, including anyone who contacted emergency services.
• Save original dashcam footage and any messages sent immediately after the collision.
• Retain the policy and uninsured-motorist endorsement in effect on the accident date.
• Keep treatment records, work restrictions, bills, insurer requests, and proof of submissions.

Check UM conditions separately from PIP eligibility

Uninsured motorist coverage may provide a route to compensation, but it is optional and subject to policy conditions. Do not assume a universal 24-hour reporting rule or that every unidentified-driver crash qualifies. Prompt reporting avoids unnecessary disputes while counsel checks the actual requirements.

See our uninsured and underinsured motorist practice page and policy-exclusion guide for the coverage documents to review.

Talk with Logeman & Iafrate

Request a free consultation or call (734) 994-0200 to discuss your situation with our Ann Arbor office. Bring the relevant records and any insurer correspondence. Advice about your claim depends on the facts, coverage, and applicable deadlines.

General information only; this article is not legal advice for an individual case.

Can I make a claim if the driver is never found?

Possibly. Available UM coverage and its conditions must be reviewed, along with any separate benefit eligibility.

Should I wait to repair damage?

Document and discuss preservation first when the damage may prove another vehicle’s involvement.