Florida Car Insurance and Hit and Run Accidents: What Every Driver Needs to Know

Hit and run accidents are disturbingly common in Florida — and knowing exactly what to do when the other driver disappears makes a significant difference in your insurance claim outcome.

The immediate steps after a hit and run:

Call 911 immediately. A police report is essential for a hit and run insurance claim in Florida. Most insurers require it — particularly for uninsured motorist claims.

Document everything about the fleeing vehicle right now before memory fades. Color, make, model, any portion of the license plate, direction of travel. Write it down immediately.

Look for witnesses and surveillance cameras. Nearby businesses and traffic signals often have cameras that captured the incident. Many systems overwrite within 24 to 72 hours — act fast.

Photograph your vehicle’s damage from every angle along with the accident location.

Which insurance covers you:

Collision coverage pays for damage to your vehicle subject to your deductible — regardless of whether the other driver is identified.

Uninsured Motorist coverage pays for your injuries beyond your $10,000 PIP limit when the hit and run driver can’t be identified. This is the most important coverage for hit and run victims in Florida — where nearly 1 in 5 drivers carries no insurance.

PIP coverage pays your initial medical expenses up to $10,000 regardless of fault. Seek medical attention within 14 days to preserve your PIP rights.

The preparation that matters most:

Carry adequate Uninsured Motorist coverage before a hit and run happens. Florida doesn’t require it — but Florida’s hit and run statistics make it one of the most valuable coverages available to Florida drivers.

For a complete guide to hit and run accidents and Florida car insurance visit guardedlifeinsurance.com