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Article · 14 min read
Someone hit my car and drove off: what to do now
Someone hit your car and drove off? Here is who is at fault, why you need a police reference, the MIB untraced route, and how your car gets repaired.
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Where CCTV, dashcam, witness memory or repair inspection timing matters, the article explains the window and why delay weakens the file.
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E-E-A-T
Quick answer
If another driver hit your car and then drove off, the short answer is that they are almost certainly the one in the wrong, and they have committed a criminal offence on top of causing the damage. Under section 170 of the Road Traffic Act 1988, a driver involved in an accident on a road or public place that causes injury to another person, or damage to another vehicle, an animal or property on or near the road, must stop and give their name and address, the name and address of the vehicle owner and the vehicle registration to anyone with reasonable grounds to ask. Driving away is a separate offence from whatever caused the collision in the first place.
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Someone hit my car and drove off: what to do now
If another driver hit your car and then drove off, the short answer is that they are almost certainly the one in the wrong, and they have committed a criminal offence on top of causing the damage. Under section 170 of the Road Traffic Act 1988, a driver involved in an accident on a road or public place that causes injury to another person, or damage to another vehicle, an animal or property on or near the road, must stop and give their name and address, the name and address of the vehicle owner and the vehicle registration to anyone with reasonable grounds to ask. Driving away is a separate offence from whatever caused the collision in the first place.
What you do in the next hour matters more than almost anything else, so take it in order. Check that nobody is hurt and move to a safe spot. Then, before your memory blurs, write down or voice-record every detail of the vehicle that hit you: the registration characters you are sure of, the make, colour, body style, direction of travel, the damage you saw on their car and anything unusual about it. Photograph your damage, the road position and the wider street. Look for witnesses and cameras. Report it to the police and get an incident or crime reference number. Then tell your own insurer, even if you have not yet decided whether to claim.
Now the part most articles skip. Whether anyone else pays for your vehicle damage depends almost entirely on one thing: whether that driver is identified. If the police or the evidence trail names them, this becomes an ordinary non-fault claim and their insurer is the one on the hook. If nobody is ever identified, there is no third party insurer to recover from, and the Motor Insurers Bureau untraced scheme is mainly an injury scheme rather than a way of getting a car repaired. In that situation your own comprehensive cover usually carries the vehicle damage. Knowing which of those two paths you are on early will save you weeks.
CityGrip Accident Claims is an accident management company for non-fault car and van drivers, including private hire and PCO drivers. Where a collision leaves you off the road we handle recovery, secure storage, an independent engineer inspection, repair coordination, correspondence with the at-fault insurer and, where liability and eligibility allow, a like-for-like replacement car or van at no cost to you, with the cost recovered from the at-fault insurer rather than charged to you. We do not handle personal injury in-house. If injury is involved we can refer you to authorised legal partners, but only with your separate written consent.
What should I do in the first hour after a hit and run?
Human memory for vehicle details decays fast, and it decays in a specific way: colour and body shape survive, registration characters do not. So capture the plate first, in whatever fragments you have, and mark which characters you are certain about and which you are guessing at. Do not smooth a partial plate into a plausible full one, because an invented character sends the police down the wrong road and can undermine your credibility later. A note that reads "first two letters LR, then possibly 21, last three unknown, silver estate" is far more useful than a confident but wrong seven-character guess.
Then photograph more than you think you need. Take the damage close up and from a distance, the resting position of your vehicle if it was struck while parked, the road markings, the junction or parking bay, any debris, broken trim or paint transfer, and the wider street showing shop fronts, lamp posts and house frontages, because those are where the cameras live. Paint transfer is genuinely valuable: a smear of a different colour on your panel gives an examiner something physical to match against a suspect vehicle later. Do not wash or repair anything before it has been photographed and, ideally, inspected.
Resist the urge to chase. Following a driver who has just committed an offence puts you at risk, and anything you do at speed while angry can turn a clean non-fault position into a contested one. If the vehicle is still in sight, note the direction, the road name and the time, and give that to the police instead. If somebody stopped and helped, get their name and number before they leave, because independent witnesses are the single hardest piece of evidence to recover afterwards and the easiest to lose in the first ten minutes.
Registration characters you actually saw, flagged as certain or uncertain
Make, model, colour, body style, and any roof box, decals, licence plate or roundel
Damage visible on their vehicle, and which side of it was affected
Direction of travel, road name and the time to the nearest minute
Photographs of your damage, paint transfer, debris, road position and the wider street
Names and phone numbers of anyone who stopped or saw it happen
Every camera you can see: shop CCTV, doorbells, buses, parked cars with dashcams
The police incident or crime reference number once you have reported it
DETAIL
03
Section 3 of the walkthrough.
Whose fault is it if the other driver drove off?
Two separate questions get tangled together here. The first is civil liability: who caused the collision, and therefore whose insurer pays. That is decided on the facts of the impact itself, such as who had priority, who was on the wrong side of the road, or who reversed into whom. The second question is criminal: did the driver breach their duty to stop and give details. Leaving the scene does not automatically decide civil liability in your favour, but in practice it is powerful supporting evidence, because insurers and courts understand that drivers who believe they were in the right usually stay and argue the point.
The duty itself is set out in section 170 of the Road Traffic Act 1988 and repeated in plain terms at rule 286 of the Highway Code, which states that if you are involved in a collision causing damage or injury to any other person, vehicle, animal or property, you must stop. The driver must give their own and the vehicle owner's name and address and the vehicle registration number to anyone having reasonable grounds for requiring them. If those details are not given at the scene for any reason, the driver must report the collision to the police as soon as is reasonably practicable and, in any case, within twenty-four hours.
The penalties are not trivial. On the DVLA endorsement codes, AC10 covers failing to stop after an accident and AC20 covers failing to give particulars or report an accident within twenty-four hours. Both carry five to ten penalty points and stay on the driving record for four years from the date of the offence. The Sentencing Council guideline for failing to stop or report a road accident sets a maximum of six months custody, with fines and disqualification also available, and courts treat cases involving injury or deliberate evasion more seriously. None of that money reaches you, though: a prosecution punishes the driver, it does not repair your car.
Do I have to report it to the police within 24 hours?
This is the single most misunderstood point in hit and run cases, so it is worth being precise about it. The twenty-four hour clock in section 170 is an obligation on the driver who failed to give their details at the scene. It is not a statutory deadline imposed on you as the person who was hit. You do not lose your rights at hour twenty-five. Plenty of people only discover the damage the following morning, especially where a parked car was struck overnight, and they are not shut out of anything because of it.
That said, report as early as you realistically can, ideally the same day. Speed matters here for practical reasons rather than legal ones: camera footage gets overwritten, witnesses forget, and a report made days later invites the question of why you waited. Call 999 if anyone is injured, if a vehicle is blocking the carriageway or creating danger, or if the driver is still at or near the scene. Otherwise use 101 or your force's online road traffic incident form, which most forces now run and which gives you a written record and a reference automatically.
When you report, keep it factual and sequential. Give the date, time and exact location, the direction each vehicle was travelling, what you saw of the other vehicle including any partial registration and how confident you are in each character, the damage to your vehicle, whether anyone was injured, and the location of every camera you noticed. Mention explicitly that the driver failed to stop, because that is the element which turns a damage-only report into something a force can treat as an offence rather than a civil dispute between two insured parties.
Why does a police reference number matter so much?
The reference number is the spine that the rest of the file hangs on. Your own insurer will ask for it. The Motor Insurers Bureau can require evidence that you reported the incident before it will consider an untraced application. If the driver is later identified, their insurer will be looking at a contemporaneous, independently logged account of what happened, which is far harder to argue with than a version you first put into writing three weeks later once you had time to think about it. It costs you one phone call or one online form and it strengthens everything downstream.
It also unlocks routes you cannot use yourself. A shop or a homeowner is under no obligation to hand a stranger their camera footage, and many will refuse on data protection grounds even when they genuinely want to help. The police can request footage as part of an investigation, and there are established channels through which insurers and solicitors obtain it. Reporting first and then approaching the camera owner with a reference number in hand changes the conversation completely: you are no longer a stranger asking for video, you are a person with a live police reference asking them to preserve it.
Be realistic about what happens next. Where there is no registration, no witness and no obvious camera, many forces will record a damage-only failure to stop and take it no further, simply because there is nothing to work with. That is disappointing, but it is not a reason to skip the report. Ask politely and specifically for a reference number even if no investigation follows, and ask that your account of the camera locations goes on the record, because if a partial plate or a piece of footage surfaces later, the case then has somewhere to attach itself.
06DETAILKey takeaway
I only got part of the registration. Is that enough to trace them?
A partial registration is far more useful than most people assume, and it is one of the more common ways these cases actually get solved. Combined with the make, colour, body style, the direction of travel and a time, a partial narrows the field dramatically, because vehicle records can be filtered on those attributes together. Three or four confirmed characters plus "dark blue hatchback heading north on the high street at about quarter past six" is a genuine investigative lead. One or two characters with nothing else attached is much weaker, which is why the surrounding description is worth as much as the plate.
Record the characters honestly. Certain pairs are routinely confused at speed or in poor light: zero and the letter O, eight and B, five and S, one and I, and two and Z. Note which ones you saw clearly and which you are inferring. It helps to know the standard current format, which is two letters, two numbers and then three letters, because that tells you roughly where a character you glimpsed probably sat. If you are confident you saw the last three letters, say so, because the position of the fragment matters as much as the fragment itself.
Then look past the plate entirely. A roof box, a towbar, a distinctive alloy, a dealer sticker, a taxi or private hire licence plate on the rear, a council roundel on the windscreen, an operator's decal, a cracked bumper or pre-existing damage: these all narrow the field, and licensing markings are especially strong because they are issued by an identifiable authority and tie back to a named licence holder. Note the damage you would expect the other vehicle to have and on which side, because that is exactly what an officer or an examiner will look for on a suspect vehicle.
How do I get CCTV and doorbell footage before it is wiped?
Treat footage as perishable, because it is. Under UK data protection law footage must not be kept for longer than is necessary, and in practice a very common retention period for commercial and local authority systems is around thirty-one days, in line with Information Commissioner's Office guidance about not holding material for longer than the purpose requires. Domestic systems are usually much shorter. Doorbell and home cameras often hold only a rolling window of days, and cloud retention frequently depends on whether the owner pays for a subscription at all. Some systems overwrite within about a week, so the first forty-eight hours are the ones that count.
Ask properly and you will get a much better hit rate. Walk the route on foot within a day or two and note every camera and the direction it faces, including ones angled at a doorway that happen to catch the kerb. When you knock, ask the occupier or manager to save or export the clip rather than simply watch it, because watching it does nothing to stop the overwrite cycle. Give them an exact date, a time window of about ten minutes either side, the direction of travel and your police reference. Follow up in writing the same day so there is a record of the request.
Then think beyond fixed cameras. Buses and many commercial vehicles run recording systems, and a route number and a time is usually enough for an operator to identify the vehicle. Other parked cars may have dashcams running in parking mode, so a polite note on a windscreen is worth trying where a car was there at the time. Your own dashcam may have caught the approach even if it did not catch the impact. Council traffic and bus lane cameras generally have to be requested by the police rather than by you, which is another reason the report comes first.
Can I claim from the Motor Insurers Bureau if the driver is never traced?
The Motor Insurers Bureau operates the Untraced Drivers Agreement 2017, which applies to incidents in England, Scotland and Wales occurring on or after 1 March 2017. It exists so that people harmed by a driver who cannot be identified are not left with nothing at all, and it is the correct route where a hit and run has caused injury. It is worth understanding what the scheme is designed to do before you pin your hopes on it, because it is built around personal injury and treats vehicle damage as a narrow add-on rather than as its main purpose.
Specifically, the MIB is not liable for a property damage claim under the untraced agreement unless an award for significant personal injury has been paid to a claimant arising out of the same event, and the property damage loss exceeds the specified excess, which is four hundred pounds. Significant personal injury is defined in the agreement as bodily injury resulting in death, two nights or more of hospital in-patient treatment, or three sessions or more of hospital out-patient treatment. The practical consequence is blunt: if your car was damaged by an untraced driver and nobody was hurt to that level, the untraced scheme will not repair your car.
The scheme also carries conditions. The MIB can require evidence that the incident was reported to the police, which is where your reference number earns its keep. The 2017 agreement moved away from the fixed five and fourteen day reporting deadlines used in earlier versions, towards a requirement to report as soon as reasonably practicable, but that is not an invitation to delay. Applications for injury must be made within three years of the incident, and a shorter deadline applies to property damage applications, so confirm the current position with the MIB directly rather than relying on a figure quoted second hand.
There is a separate route where the driver is identified but turns out to be uninsured. That falls under the Uninsured Drivers Agreement rather than the untraced agreement, and vehicle damage sits within its scope in a way that it does not under the untraced scheme, although its own excess and conditions apply. This is precisely why identifying the driver changes so much: an identified but uninsured driver is a materially better position than an unidentified one, even though neither has a policy you can simply claim against in the ordinary way. CityGrip does not handle personal injury in-house, and any injury referral to authorised legal partners happens only with your separate written consent.
DETAIL
09
Section 9 of the walkthrough.
So who pays to repair my car if nobody is ever found?
In most untraced cases, the answer is your own comprehensive policy. Comprehensive cover is designed to pay for damage to your own vehicle regardless of whether a third party is ever identified, and it is the reason an untraced hit and run is survivable at all for most drivers. If you hold third party only, or third party fire and theft, that cover does not extend to accidental damage to your own car, so an untraced hit and run leaves you meeting the repair yourself. That is a hard sentence to read, but knowing it on day one is far better than discovering it on day thirty.
Claiming on your own policy has costs attached. Your policy excess applies, and because there is nobody to recover the outlay from, insurers commonly treat it as a fault claim for rating purposes, which can affect your no claims discount and your next renewal. Many policies contain terms that refund the excess and restore the discount if the other driver is later identified and their insurer accepts liability, so read your wording and ask the question directly rather than assuming either way. For a small repair it is worth comparing the excess and the likely premium effect against simply paying for the work yourself.
This is also why we are straightforward with people on the first call. A credit hire or replacement vehicle arrangement works precisely because the cost is recovered from the at-fault insurer. Where no at-fault driver has been identified, there is no insurer to recover from, so that route is not available on those facts, and anyone who tells you otherwise while the driver is still unknown is not doing you a favour. We would rather explain the position in five minutes than sign you up and unpick it later, which is the whole point of running this transparently.
What happens to my claim if the police do trace the driver?
Once the driver is identified and insured, the picture changes entirely. It becomes an ordinary non-fault claim against a named third party insurer, and the fact that they failed to stop tends to sit badly with their own insurer when liability is being considered. Cases turn on identification more often than people expect: a partial plate matched to a vehicle with corresponding damage, a doorbell clip showing the vehicle leaving the street, a witness who wrote the plate down properly at the time. This is exactly why the evidence work in the first forty-eight hours is worth the effort even when it feels hopeless.
From that point an accident management file can run on your behalf, which takes the administrative weight off you at a moment when you are already down a vehicle. Subject to liability being established and to eligibility being met, that typically covers recovery, storage, inspection, repair and a replacement vehicle, coordinated so that you are dealing with one point of contact rather than three companies and an insurer that is not even yours. In practice the individual elements usually look like this:
Two honest caveats. A replacement vehicle and credit hire always depend on liability and on eligibility being satisfied, and nobody can promise you a particular outcome before the facts have been assessed, so treat any guarantee offered on a first phone call with suspicion. Second, our fees are kept low and stated plainly, because the point of a non-fault claim is that you end up properly restored rather than watching most of the value disappear into charges nobody showed you. You can ask us what we are paid and how, and you will get a straight answer.
Recovery from the scene, or from wherever your vehicle is currently sitting
Secure storage while the liability position is established
An independent engineer inspection to assess repair or total loss, and pre-accident value
Coordinated repair through an approved repairer, with the work quality-checked
A like-for-like replacement car or van at no cost to you, with the cost recovered from the at-fault insurer
All correspondence with the third party insurer, so you are not chasing it between shifts
A documented file including the police reference and the failure to stop
What if I drive a private hire, PCO or minicab vehicle?
For a private hire or PCO driver the vehicle is the business, and every day it sits waiting is income that does not come back. That changes the priorities in a hit and run. Reporting quickly and getting the evidence trail moving matters even more, because the sooner the driver is identified the sooner there is an insurer responsible for keeping you working. It also means the replacement vehicle question is not a convenience issue at all, it is the difference between a normal week and a week with no earnings and the same fixed costs still going out.
Like-for-like has a specific meaning in this context. A replacement has to be a vehicle you can genuinely work in, which means correctly licensed and plated for your licensing authority, of an appropriate specification, and acceptable to the operator you drive for. Tell us your licensing authority, your plate details and your operator at the outset, because arranging a compliant vehicle involves different steps from arranging an ordinary private car. As with any claim, this depends on liability and eligibility, and on the licensing requirements that apply to you, so it is something we confirm rather than assume.
Keep your own records from day one. Save booking summaries, weekly earnings statements and anything showing the pattern of work you would normally have done, because loss of earnings is far easier to evidence with contemporaneous records than with an estimate written months afterwards. On scope, we work with car and van drivers, including private hire and PCO drivers. We do not handle HGV, lorry, bus or coach claims, and we do not take on hackney carriage or black cab work, so if that is your vehicle you will need a specialist elsewhere.
12DETAILKey takeaway
What if they hit my parked car while I was not there?
Struck while parked is one of the most common versions of this, and the legal position is exactly the same. A driver who damages another vehicle must stop and give their details, and if they do not give them at the scene they must report it to the police as soon as reasonably practicable and, in any case, within twenty-four hours. The absence of a note under your wiper is not merely rude, it means a legal duty has been breached. Discovering the damage hours later does not weaken your position, although it does compress the time you have to find footage.
Before you move the car, read the scene. Photograph the vehicle exactly where it stands, including its position relative to the kerb, the bay markings and any lines. Note the height of the impact, because a strike at bumper height suggests a car while a higher scrape suggests a van or something larger, and that alone narrows what you are looking for on camera. Look for paint transfer and note the colour, look for broken indicator or mirror fragments in the gutter, and photograph the whole street including the buildings behind you, where cameras are most likely to sit.
Then canvass the same day. Ask the immediate neighbours whether they heard anything and whether their doorbell camera covers the kerb. Ask any shop, pub, takeaway or office overlooking the space, and ask about vehicles that regularly park nearby with dashcams. Check whether a note blew off and landed under the car or against a wheel. Report it to the police and get a reference, then contact your insurer. If a plate or a piece of footage turns up, you may be back on the identified driver path, and everything in this article about a non-fault claim becomes available again.
Take action
If you have just been in a non-fault collision, the fastest way to protect your claim is to open the file with us inside the first hour. We dispatch recovery, lodge the relevant CCTV requests inside the retention window, and notify the third-party insurer for you.
We do not provide legal advice. This article is general guidance for UK drivers. Personal injury enquiries are referred only with your consent to authorised legal or regulated partners. Specific limits, retention windows and process steps may change; the position at the date of any individual collision will govern the handling of that claim.
Frequently asked questions
- Is it a crime for someone to hit my car and drive off?
- Yes. Under section 170 of the Road Traffic Act 1988, a driver involved in an accident that damages another vehicle, injures a person, or damages an animal or roadside property must stop and give their name and address, the vehicle owner's name and address and the registration number to anyone with reasonable grounds to ask. If details are not given at the scene, they must report it to the police as soon as reasonably practicable and within twenty-four hours. Failing to stop carries five to ten penalty points, and the sentencing guideline allows for a fine, disqualification or up to six months custody.
- Do I have to report a hit and run to the police within 24 hours?
- The twenty-four hour rule in section 170 is a duty on the driver who left, not a deadline on you. You do not lose your rights by reporting later, which matters if you found the damage on a parked car the next morning. Even so, report as soon as you can, ideally the same day. Camera footage is often overwritten within days on domestic systems and commonly within about a month on commercial ones, witnesses forget details quickly, and both your insurer and the Motor Insurers Bureau will expect to see that you reported the incident and obtained a reference number.
- Can I claim for my car damage from the MIB if I was not injured?
- Generally no. Under the Untraced Drivers Agreement 2017, the Motor Insurers Bureau is not liable for property damage unless an award for significant personal injury has been paid to a claimant for the same event and the property damage exceeds the specified excess of four hundred pounds. Significant personal injury means death, two nights or more of hospital in-patient treatment, or three or more sessions of hospital out-patient treatment. So a damage-only hit and run by an untraced driver is normally handled through your own comprehensive policy rather than through the MIB untraced scheme.
- Will a hit and run affect my no claims discount?
- It can. If the other driver is never identified there is nobody for your insurer to recover its outlay from, so a claim on your own comprehensive policy is commonly rated as a fault claim even though you did nothing wrong. Your excess will also apply. Many policies include terms that refund the excess and restore your no claims discount if the other driver is later identified and their insurer accepts liability, so check your wording and ask your insurer directly. This is one more reason to push hard on identification in the first few days.
- Is a partial registration number enough to trace the driver?
- Often yes, provided you pair it with a good description. Three or four confirmed characters plus the make, colour, body style, direction of travel and time gives the police a workable filter, whereas one or two characters alone rarely does. Record only what you actually saw and flag which characters you are unsure of, because guessing sends the search in the wrong direction. Note the likely confusions, such as zero and O, eight and B, five and S, and one and I. Distinguishing features like a private hire licence plate or an operator decal are especially useful.
- Can I get a replacement vehicle if the driver who hit me was never found?
- Not through the at-fault route, because a replacement vehicle in a non-fault claim works by recovering the cost from the at-fault driver's insurer. If nobody has been identified, there is no insurer to recover from. Some comprehensive policies include a courtesy car while your own vehicle is repaired, so check your own cover. If the driver is later identified and insured, the position changes, and a like-for-like replacement car or van may then be available at no cost to you, subject to liability being established and eligibility being met.
- What should I do first if someone hits my parked car and leaves?
- Photograph the car exactly where it sits before moving it, including its position against the kerb and bay markings, the impact height, any paint transfer and any debris in the gutter. Check whether a note blew under the car. Then walk the street and note every camera, including doorbells, and ask neighbours and nearby businesses the same day to save any footage rather than just view it. Report it to the police and get an incident reference number, then notify your insurer even if you have not decided whether to claim.
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