Most of us know the rules of conduct following a minor auto accident: pull over out of the way of traffic and exchange insurance information with the other driver – but we would like to add another important task – look for and identify any corroborating witness. This is especially important in certain types of collisions.
The Red Light
The term “phantom vehicle” with regard to automobile accidents can mean a couple of different things to insurance companies. It can refer to a vehicle that causes injuries, damage or even death to another person and his or her vehicle without making physical contact with the insured or the insured’s vehicle. An example of this could be a phantom vehicle cutting off an insured driver, causing the insured to swerve and hit a median. Insurance companies also sometimes refer to vehicles that hit and run as phantom vehicles. In both scenarios, the driver of the phantom vehicle remains an unknown entity. Incidents involving phantom vehicles can result in claims against the injured party’s uninsured motorist policy. Regulations and requirements with regard to phantom vehicle claims vary by state.
Examples of requirements involving a phantom vehicle insurance claim may include: