Did you know you can get a personal injury settlement, even if a car or truck crashes into you and flees the scene of the accident.  Yes, you certainly can, and you do not receive a surcharge from your insurance!  One of the great misconceptions I regularly see among clients, is they believe they will get a surcharge if they pursue an uninsured bodily injury claim against their own auto policy or a friend’s, when it involves a hit and run accident.   Please let me be clear, the only way you receive an insurance surcharge is if you are found 50% or more at fault for the motor vehicle accident.  Surcharges are based upon a fault system.  So long as you are not at fault for causing the car accident, the insurance company will not surcharge you for going after a personal injury case.   Therefore, please do not be mistakenly scared away from obtaining a personal injury settlement.  If you are hurt in a car accident and it was not your fault, please get the medical attention you need and call a personal injury lawyer if you need help.