We tend to get two kinds of questions when there is an accident due to a phantom vehicle or a vehicle that causes an accident, leaves the scene, and nobody gets any information about them. The first kind is when you are driving in the right lane, a car comes from the left, tries to merge into my lane, and forces you into a ditch. The second kind is when there are two cars at the scene. The phantom vehicle either causes you or the other vehicle to crash into each other, and they leave the scene. Maybe they don’t know they caused the accident. Maybe they just do not want to be involved.
Either way, the claim against the phantom vehicle is going to go against your own insurance company through the uninsured motorist policy. If it is just you going into the ditch, you call the police, report the injury to your insurance company, and then you bring the claim against your own uninsured motorist policy. When it is a claim against the vehicle that hit you as well as the phantom vehicle, you end up bringing two claims: one against the at-fault driver that hit you and one against the phantom vehicle that may have caused the accident to start.
