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I got a somewhat shaken call from a friend on New Years Eve who, as she explained, was the victim of a hit and run auto accident. From her description, she was traveling in the left lane of a highway when a car going 90-95mph tried to squeeze between her and the car in front of her. This driver then, in her words, must have realized he was going to hit the car in front of my friend and broke hard causing my friend to veer off into the guardrail and cause some significant damage to her car. The other car just sped away, quickly. It may be important to note that she hit the back of the other car, but I can't imagine that she would be at fault. Her car still runs, but is somewhat damaged. There were no witnesses.
I advised her to file a police report and to contact her insurance, but I'm uncertain what the correct path of action would be and my google-fu has, so far, failed me.
When I had a chance to check up on her yesterday, she told me that the police didn't even take a statement because she didn't know the plate number of the other vehicle. She has also been afraid to tell her insurance because she believes that 1) she doesn't have collision, and 2) that her premium would go up (or other costs).
Does anyone know what would happen, here? If she goes to her insurance, is there a chance she would see a hiked premium or other cost? I was under the general impression that as it was a hit and run, there would be no counter-claim and therefore it would be almost guaranteed that she was not found at fault. I suspect that it would be more complex than this.