Yes, contact your insurance company as soon as possible, ideally within 24 hours. Provide them with the police report number and all the evidence you collected. This starts the claims process. Your own collision coverage or uninsured motorist property damage coverage typically applies in hit-and-run cases. Delaying this call can give the insurer a reason to question or deny your claim.

You can recover money for both economic and non-economic losses. This includes medical bills, lost wages, and reduced future earning capacity. It also covers pain and suffering, emotional distress, and loss of enjoyment of life. In rare cases where a company’s conduct is extremely reckless, punitive damages may be awarded to punish the defendant and deter similar behavior in the future.

First, ensure everyone’s safety and document the scene thoroughly with photos and videos from multiple angles. Notify your homeowner’s insurance company immediately to report the incident—do not admit fault. Then, provide a polite, basic notice to the affected neighbor, but avoid making detailed statements about cause or liability. Promptly mitigate further damage (e.g., tarping a roof) but do not perform permanent repairs or remove major evidence before an insurance adjuster or expert can inspect.