Hit-and-Run Vehicle Claim in New York: Reporting, Coverage & Process
If you were the victim of a hit-and-run in New York, your insurance options depend on coverage type. Here's exactly what to do — and how to maximize your recovery.
Time matters. Report to police Immediately for injury; within 10 days for property. ALPR (license plate reader) data typically retained only 30-90 days.
Quick Reference
Step 1: Report to Police
Immediately for injury; within 10 days for property
New York V&T Law §605 requires immediate reporting of any accident with injury or property damage over $1,000. NYPD or local police, then DMV Form MV-104 within 10 days.
Step 2: Document Evidence
- Photos of damage and scene
- Witness statements
- Dashcam or surveillance footage
- Nearby NYC ALPR network data (subpoena via lawyer)
- Police case number
- Personal injury documentation if applicable
UM (Uninsured Motorist) Coverage
$25,000/$50,000 minimum required by law
New York requires UM coverage on every policy. Hit-and-run incidents trigger UM coverage automatically.
Collision Coverage
Collision optional in NY but applies if held
New York doesn't require collision coverage, but if you have it, it applies to hit-and-run damage. You pay your deductible.
Will You Pay Your Deductible?
No automatic waiver; some endorsements available
Some NY carriers offer "supplemental UM property damage" coverage that waives the collision deductible for hit-and-run. Verify with your agent.
No-Fault vs At-Fault
No-fault state for medical; at-fault for property damage
New York PIP ($50,000 minimum) covers your medical. Property damage goes through collision or fleeing driver's liability if identified.
New York Standout Resource
Frequently Asked Questions
How fast must I report a hit-and-run in New York?
Immediately for injury; within 10 days for property. New York V&T Law §605 requires immediate reporting of any accident with injury or property damage over $1,000. NYPD or local police, then DMV Form MV-104 within 10 days.
Does my UM coverage apply to hit-and-run in New York?
$25,000/$50,000 minimum required by law. New York requires UM coverage on every policy. Hit-and-run incidents trigger UM coverage automatically.
Will I pay my deductible for a hit-and-run claim in New York?
No automatic waiver; some endorsements available. Some NY carriers offer "supplemental UM property damage" coverage that waives the collision deductible for hit-and-run. Verify with your agent.
Is New York a no-fault or at-fault state for hit-and-run?
No-fault state for medical; at-fault for property damage. New York PIP ($50,000 minimum) covers your medical. Property damage goes through collision or fleeing driver's liability if identified.
Do I need a police case number to file a hit-and-run claim in New York?
Required for insurance and DMV processing. NY insurers and DMV both require the police case number. NYPD provides via online portal after the report is filed.
Selling a Damaged Vehicle?
If you're selling a vehicle damaged in a hit-and-run, a New York bill of sale documents condition and protects you against future claims from the buyer.
Generate Bill of SaleThis page is informational only and not legal advice. Source: New York State DMV — Accident Reports. For active claims, follow your insurer and law enforcement instructions exactly.