A phantom vehicle is a vehicle that causes injury, death, or property damage to an insured person or his/her vehicle without any physical contact with the insured or the vehicle the insured is occupying. A phantom driver makes no contact with your vehicle but causes you to react in defense of that driver’s actions, resulting in injury to you, and damage to your car. Knowing what to do after a phantom vehicle accident can be difficult. The other car didn’t directly hit you, but they’re still the reason you got in the accident in the first place.
In these types of situations, a claim cannot be filed against that driver unless the driver stays at the scene of the accident, or if you can identify information such as the license plate number, or perhaps a witness can give you some helpful information.
If you are injured in an accident where the negligent driver cannot be identified, you may be able to use your UM/UIM coverage to cover damages. Most important here is that you immediately report the accident so that it is well documented by the police department, that any witnesses are identified, and that any potentially helpful information is collected. Also, the accident needs to be reported to your own insurance company right away – this is especially critical if you are run off the road by a negligent driver and there was no contact between the vehicles.
If you were involved in an accident caused by a phantom vehicle, or in any other kind of accident, call our experienced injury accident attorneys for a free, no-obligation consultation today.
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At the Rector Law Firm, our Colorado Springs car accident attorneys are dedicated to serving the Springs region. We will go to work immediately on building the best possible case for you, and will see your case all the way through to the end. For us, service is a family tradition. Contact us today for the legal representation you need.