A hit-and-run crash can leave you shaken, hurt, and unsure about your next steps. State law gives you clear options to protect your health and your financial stability. Acting quickly helps you preserve evidence and access benefits.
Get medical care and call police
Your health comes first. Seek medical care right away, even if your injuries seem minor, because pain can increase later. Call police from the scene if you can and request an official report, which creates a record that supports your claim.
Collect details at the scene
If it feels safe, take photos of vehicle damage, skid marks, debris, and your injuries. Write down the time, location, and direction of travel. Ask nearby witnesses for names and contact information, and check nearby businesses or homes for security cameras.
Notify your insurance carrier promptly
Kentucky follows a no-fault system, so your own policy can cover medical bills and lost income through basic reparation benefits. Report the crash to your insurer as soon as possible and provide the police report number. Keep copies of all communications, bills, and receipts.
Use available coverage options
Personal Injury Protection (PIP) benefits can pay medical expenses and part of lost wages, regardless of fault. These benefits form the backbone of the state’s no-fault system. If your policy includes uninsured motorist coverage, that coverage may apply when a driver flees.
Track recovery and expenses
Keep a simple log of symptoms, appointments, and time missed from work to avoid gaps or repetition. Save pharmacy receipts, mileage to appointments, and repair estimates. Consistent records show how the crash affects your daily life.
Understand hit-and-run rules
State law requires drivers involved in injury crashes to stop and provide information. Leaving the scene can trigger serious penalties, and law enforcement may continue investigating after your report. Cooperate with follow-up requests and share any new leads.
Take steady steps forward after an injury
A personal injury after a hit-and-run accident can disrupt routines, but clear steps can restore control. Focus on care, documentation, and timely notices so benefits can flow. These actions place you in a stronger position while authorities work to identify the driver.