Hit and run while I was asleep — grainy doorbell footage, what do I do now?
So I woke up yesterday morning to find my car sitting at a weird angle in the driveway and a massive dent running along the passenger side. Didn't hear a thing overnight. Walked the street and noticed two other cars on my block had fresh scrapes too, so whatever happened, it wasn't just me.
A neighbor two houses down has a doorbell camera that caught something around 2 or 3 in the morning — you can see headlights and what looks like a dark-colored SUV or maybe a pickup slowly drifting too close to the parked cars, but the resolution is just awful. Grainy, low framerate, and the streetlight was flickering so half the frames are basically black. You can almost make out a partial plate but not enough to be sure of any letters.
I filed a police report this morning and they took the footage, but the officer honestly didn't seem super optimistic about identifying the driver. My own insurance has uninsured motorist / hit-and-run coverage but I've never had to use it and I have no idea what that process actually looks like.
Questions I'm sitting with right now:
- Is there any way to enhance or clean up that doorbell footage myself, or does that need to go to a professional?
- Should I be knocking on more doors looking for better camera angles before I do anything else?
- How does the UM claim process actually work when there's zero info on the at-fault driver?
- Will filing this hurt my rates even though I did nothing wrong?
Feel like I'm just spinning my wheels here. Any advice from people who've been through something similar would mean a lot.