Hit-and-run insurance claims can involve short reporting deadlines in New York, a Yonkers law firm said in guidance issued on October 27, 2026. Kerner Law Group also advised injured residents to seek nearby camera footage quickly after a driver leaves a crash scene.

Key Takeaways

  • The firm said uninsured motorist coverage generally requires a police report within 24 hours or as soon as reasonably possible.
  • People without applicable insurance may be able to seek compensation through New York’s Motor Vehicle Accident Indemnification Corporation, which requires notice within 90 days.

Hit-and-run insurance reporting steps

Kerner Law Group said people injured in a hit-and-run should report the incident to police promptly. It also advised requesting surveillance or doorbell recordings from nearby homes and businesses before the footage is overwritten.

For injured people who do not have applicable insurance, the firm identified the Motor Vehicle Accident Indemnification Corporation, or MVAIC, as a possible route to compensation. It said notice to the corporation is required within 90 days.

Guidance ahead of darker evenings

The firm issued its guidance before daylight saving time ends on November 1, 2026, bringing darker evening commutes.

A Governors Highway Safety Association review of federal data found that approximately one in four pedestrian deaths in 2023 involved a driver who fled. Separately, the National Highway Traffic Safety Administration reported that 77% of pedestrian deaths that year occurred in darkness.

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