“Contact the claims hotline as soon as possible and the adjuster assigned to your claim will help to resolve any issues. They’ll also be your main point of contact throughout the claim for questions,” said Kevin Quinn, vice president of claims and customer experience at Mercury Insurance.

Winter weather can create all sorts of hazardous driving conditions. Traveling on wet and slippery roads, snow covered streets, or black ice can quickly turn treacherous which can cause a collision with another vehicle. Hit-and-run automotive collisions include the added stress of an unknown, at-fault driver that fails to follow up after the accident. Mercury Insurance offers these essential steps to ensure you receive the correct auto insurance coverage in the wake of a hit-and-run accident.

1. File a police report
Regardless if you were in the vehicle or not, call the police immediately in the case of a fleeing, hit-and-run offender so you have a record of the accident. Never chase after the fleeing vehicle. The police may be able to track down the vehicle or the driver if you can provide the license plate number or a vehicle description.

Police will request your driver’s license, vehicle registration and proof of car insurance to complete the accident report. Accident reports will vary by state, but the California Department of Motor Vehicles outlines state guidelines in an easy to reference accident guide and many of these apply to most situations. Be sure to note the on-site officer...

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