If you are a victim of a hit-and-run in Edmonton, you must report the offence to the police within 24 hours. If the driver is never found, you can claim up to $200,000 CAD through Alberta’s Motor Vehicle Accident Claims (MVAC) Program or your own SEF 44 family protection endorsement.
Being involved in a motor vehicle collision is stressful enough, but discovering the other driver has fled the scene can leave you feeling helpless. A hit-and-run is a serious criminal offence in Canada, and victims in Edmonton have specific legal avenues to secure compensation for their injuries and property damage. 🚔
In Alberta, the law is designed to protect innocent victims even when the at-fault party cannot be identified. This guide outlines the exact steps you should take immediately after the crash to protect your physical health and financial future.
Step-by-Step Process After a Hit and Run in Edmonton
Whether you were hit on Gateway Boulevard or while parked at West Edmonton Mall, following these steps is critical for a successful insurance claim.
Step 1: Report to the Edmonton Police Service
Never attempt to chase the fleeing vehicle. Instead, pull over safely and call 911 if there are injuries, or report to the nearest Edmonton Police Service (EPS) station. In Alberta, you are legally required to report a collision to the police if the combined damage exceeds $2,000 CAD or if anyone is injured. 📞
Step 2: Collect All Available Evidence
Write down everything you remember about the fleeing vehicle, including the colour, make, model, and any partial licence plate numbers. Take photos of the accident scene, vehicle debris, and your injuries. If there were witnesses, obtain their contact information immediately. 📸
Step 3: Notify Your Insurance Company
Contact your own auto insurance provider as soon as possible to report the incident. Even if the other driver is unidentified, your policy’s Section B benefits will cover immediate medical treatments, such as physiotherapy or ambulance fees. 🚑
Step 4: Pursue Compensation (MVAC or SEF 44)
If the police cannot locate the driver, your Edmonton injury lawyer will help you access specific funds. You may file a claim through the provincial MVAC program or use the SEF 44 Family Protection Endorsement on your own insurance policy. 📑
Understanding Your Compensation Options in Alberta
When the at-fault driver remains unknown, you generally have two main paths for compensation in Alberta.
| Funding Source | Maximum Coverage | Key Details |
|---|---|---|
| MVAC Program | Up to $200,000 CAD | A provincial fund for victims of uninsured or unknown drivers. Covers injuries, but strict notice periods apply. |
| SEF 44 Endorsement | Matches your policy limit (often $1M – $2M) | Optional coverage on your own policy that protects you and your family from underinsured or fleeing drivers. |
How Much Does It Cost and How Long Does It Take?
Filing a claim through MVAC requires formal legal notices and a Statement of Claim at the Court of King’s Bench. Most Edmonton law firms will handle this on a contingency fee basis (taking about 30% to 35% of the settlement). 💵
The timeline varies. Securing compensation through MVAC or your own insurer typically takes between 1 to 3 years. It is crucial to remember that formal notice must be given to the MVAC Administrator within 90 days of the accident. 📅
Frequently Asked Questions (FAQ)
Does MVAC cover damage to my vehicle?
No. The Motor Vehicle Accident Claims Program only covers bodily injury damages. Vehicle repairs would fall under your own collision coverage if you have it.
What if the police find the hit-and-run driver later?
If the driver is identified, your lawyer will redirect the lawsuit directly against the at-fault driver and their insurance company.
Can pedestrians claim through MVAC?
Yes, if you were struck by an unidentified vehicle as a pedestrian or cyclist in Alberta, you are eligible to seek compensation through the MVAC program.
Do I need a lawyer for a hit and run claim?
While not legally required, having a lawyer is highly recommended due to the strict deadlines and complex paperwork involved in filing MVAC and SEF 44 claims.
Leave a Reply