Ghost Riders: What To Do When You’re The Victim Of A Hit-and-Run

​The open road offers freedom—but also unexpected dangers. One of the most unsettling experiences for any motorcyclist is being struck by a driver who flees the scene. A hit-and-run can leave you shaken, injured, and burdened with damages—without anyone to hold accountable. These “ghost riders” vanish into traffic, leaving victims to pick up the pieces. If it happens to you, knowing what to do next can make a big difference in your recovery and your ability to file a successful insurance claim.

Immediate Steps to Take After a Hit-and-Run Accident
If you're involved in a hit-and-run while riding your motorcycle, your safety and documentation are the top priorities.

1. Get to Safety
Move yourself and your bike (if possible) out of traffic to avoid further injury.

2. Call 911
Report the accident immediately, even if you think you're okay. A police report is crucial for insurance claims and potential investigations.

3. Document the Scene
Use your phone to take pictures of:

• The scene of the accident
• Damage to your motorcycle
• Injuries
• Skid marks, debris, or any nearby property damage

4. Look for Witnesses
Ask bystanders if they saw the vehicle or got a license plate number. Collect names and contact info if possible.

5. Note Details About the Vehicle
Even partial information helps: make, model, color, direction of travel, or identifying features (like a bumper sticker or broken light).

6. Seek Medical Attention
Some injuries may not be immediately noticeable. Always get checked by a medical professional to ensure your well-being.

7. Contact Your Insurance Company
Report the accident and provide as many details as possible. The sooner you act, the better your chance of receiving benefits.


How Motorcycle Insurance Helps in Hit-and-Run Accidents
When the at-fault driver disappears, your motorcycle insurance becomes your financial safety net. Without the right coverage, you could be left paying for medical bills, repairs, or even a new bike out of pocket.

Key coverages that may apply include:

• Uninsured/Underinsured Motorist (UM/UIM) Coverage
  Helps pay for injuries and, in some states, property damage when the other driver can't be identified or lacks insurance.
  
  
• Medical Payments Coverage
  Covers your medical bills regardless of fault, helping with emergency treatment and follow-up care.
  
  
• Collision Coverage
  Pays for damage to your motorcycle from an accident—even when the other driver can’t be found.

Without these coverages, you may have no financial recourse—especially if the hit-and-run driver is never located.


Tips for Preventing Hit-and-Run Vulnerability

• Ride defensively and stay visible—especially at night or in congested areas.
• Install a helmet cam or dash cam to capture accidents and license plates.
• Avoid blind spots and maintain a safe distance from other vehicles.
• Stay calm and focus on safety first if a crash occurs. Chasing the fleeing driver can be dangerous and may hurt your case.

Final Thoughts
A hit-and-run can leave you feeling vulnerable and frustrated—but you’re not powerless. With the right steps and the proper insurance, you can protect yourself physically, legally, and financially. Motorcycle insurance isn’t just a legal requirement—it’s your lifeline when the unexpected strikes.
Because when a ghost rider leaves the scene, your policy might be the only thing left to stand by you.

​At Affordable Choice Insurance Brokers, LLC, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (703) 347-6151​ or CLICK HERE to request a free quote.

Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.