Advantages and disadvantages of LED headlights

If you've ever had your car hit and run, you know what a headache it can be. If it's never happened to you, here's how to proceed if someone does.

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First of all, whenever possible, write down the license plate number of the car that hit you. If you can't get this information, try to gather as many characteristics as you can remember about the car, such as its color, model, any make or sticker that might help you identify it... If there were any witnesses to the accident, collect their names and contact details so you can give them to the authorities and the insurance company.

If the accident occurred on the road, put on your reflective vest and triangle. You should then call the authorities and while you wait you can take photos of your car, the scene and any debris left on the ground, which may be useful to the insurance company. Wait at the scene, as the marks and traces of the accident may be lost if you move your car.

When the authorities arrive, they will make a report and this is the moment when you will give them all the information you can remember about what happened. If you have managed to note down the fugitive's license plate number, your insurance company will contact the insurer of the person responsible, so that you can be compensated for the personal injury and material damage caused by activating the other vehicle's liability insurance.

If it is not possible to identify the other vehicle or if the driver does not have valid insurance, you can ask for support from the Motor Guarantee Fund (MGF).

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What is the Motor Guarantee Fund?

It is an autonomous public fund managed by the Insurance and Pension Funds Supervisory Authority. Its purpose is to compensate victims of a traffic accident when the responsible party is unknown or does not have valid car insurance.

The FGA guarantees compensation due in certain situations, such as bodily injury or property damage, up to the minimum capital limit of the Compulsory Motor Civil Liability Insurance, in cases where the guilty party is unknown or does not have valid motor insurance.

Remember that Motor Third Party Liability Insurance is compulsory and, although in the first instance the Fund will ensure that the damage caused is repaired, those responsible will then be required to reimburse the amounts spent.

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Source: cgd.pt

Translated with DeepL.com