Every driver out on the Florida roads should have insurance on their vehicle. Drivers have to carry a minimum amount of property damage liability coverage and personal injury protection no-fault coverage. There are other, supplemental forms of insurance that drivers can add to their policies as well to better protect themselves in the event of a crash.
Unfortunately, you have to be able to locate and identify the other driver who hit you to actually make a claim against their insurance. Some drivers will speed off from a collision to avoid consequences. They may already have a history of causing crashes and worry about losing their license. They may have already lost their license and don’t want to face arrest. They might even have a lapsed insurance policy.
Who covers your bills when the other driver flees the scene of a crash that they caused?
Your insurance will likely help
Your no-fault personal injury protection coverage will cover some of your medical costs and the wages you can’t earn while taking time off to recover from your injuries. However, you would usually need to know the other driver’s insurance information to make a claim against their policy for the cost to repair or replace your vehicle.
When you don’t know who the other driver is, you may need to make a claim against some of your own supplemental coverage. If you added collision coverage to your policy, then that coverage will help pay for the damage to your vehicle regardless of the situation surrounding the wreck.
If you purchased uninsured and underinsured motorist coverage, you can usually make a claim against that coverage after a crash with a hit-and-run driver.
You can take action against the other driver if you can identify them
Taking notes or even snapping a photo or video with your mobile phone as someone who caused a crash speeds away from the scene of the accident could help you or the police track that person down to hold them accountable for the damages they caused.
If you can identify them, you may be able to make claims against their insurance. If they don’t have insurance, you could potentially take civil action against them in court for the losses not covered by your insurance policy.
Knowing what steps to take after a hit-and-run crash can help you minimize the long-term effects of another driver’s irresponsible actions on your life.