Settlement process in a hit and run
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Police report release
Contact the police as soon as possible. They will fill in and give you the number of the report.
Note that some police forces no longer draw up reports for hit and runs. This does not affect your claim. You can then contact your insurer or broker directly.
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Contact your insurer
Call your insurer or broker as soon as possible. Send him a copy of the police report number.
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Appraise the damage
Your insurer will examine your vehicle to appraise the damage and establish the cost of repairs. He may suggest a garage for the repairs. You may also choose your own.
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Agree on a settlement
Your insurer will repair your car according to the terms and conditions under your policy.
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Indemnity payment
Depending on the agreement, your insurer may indemnify you or reimburse the garage directly.
Indemnity
You will be compensated if you purchased collision coverage ("All Perils" or "Collision or Upset" under Section B of your policy). Your insurer will indemnify you within 60 days following receipt of your request and the supporting documents. For a speedy claims settlement, make sure you have all the relevant documents handy.
If you do not have coverage for damage to your vehicle, you can contact SAAQ, which may indemnify you under certain conditions: https://saaq.gouv.qc.ca/en/traffic-accident/hit-run/
Deductible
The insurer will deduct the amount of the policy deductible from the compensation. A number of insurers offer no deductible coverage for hit and runs. Check it out!
Example of indemnity including deductible
| Amount to repair your car |
$2,200 |
| Policy deductible chosen |
$200 |
| Total amount paid by your insurer |
$2,000 |