Hit and Run in Kentucky: What to Do and How to Get Compensated

If the at-fault driver flees, you still have options in Kentucky. Learn the immediate steps to take and how uninsured motorist coverage can help.

First steps after a hit and run

If a driver flees after hitting you, try to note anything you can — license plate (even partial), make, model, color, and direction of travel. Call 911 immediately, get medical care, and look for witnesses and any nearby cameras (businesses, doorbells, traffic cameras) that may have captured the vehicle.

You may be covered even if the driver is never found

This is where Uninsured Motorist (UM) coverage becomes critical. In Kentucky, UM coverage on your own policy is designed to cover exactly this situation — when the at-fault driver has no insurance or cannot be identified, as in a hit and run. Your PIP/Basic Reparation Benefits also pay initial medical costs regardless.

Reporting requirements

Promptly reporting the hit and run to police and to your own insurer is important, both to support a possible UM claim and because policies often require timely notice. Keep copies of the police report and all communications.

Don't assume you're out of luck

Many hit-and-run victims wrongly believe that because the other driver fled, they have no recourse. Your own coverage often steps in.

If you were the victim of a hit and run, call 973-566-5599 for a free review of your coverage and options.