What am I entitled to if I was a victim of a hit and run?
Question Details: My vehicle was at a complete stop before a red light and a driver in her 20's rammed into my rear bumper. As I was about to exit out the vehicle to exchange the information, the driver made a reckless and illegal U-turn to get away from the scene. My vehicle itself may have only minor damage but the impact caused me a moderate backache around my hip bone area and I am afraid I cannot make it to work for next few days. I am also worried about my medical/auto repair bills that I may have to be accountable for. Fortunately, I do have a complete footage from my dash cam that clearly took the license plate and the drivers like-about. I already have filed a police report and contacted my insurance company about thi but I am yet to hire an attorney who specializes in such a hit-and-run incidents. I have an insurance that covers 25/50k bodily injury and 15/30k uninsured motorist coverage. Would I be able to procure the bills from medical/auto repairs, missing work, and pain and suffering from my injury?
In a lawsuit, you can recover from an at-fault driver--and if you were stopped at red light when hit, the other driver was almost certainly at fault--medical bills, lost wages, cost to repair your car, and for serious injuries causing weeks or months (or longer) of life impairment, some amount for "pain and suffering." You can only recover to extent you are not paid by insurance: e.g., say you have $8k of medical bills but your insurer paid $7,200 of them--you could only recover the extra $800. If they don't pay voluntarily, you'd have to sue.