Claims of "phantom vehicles" are sometimes investigated more carefully by insurance companies because some people may use that fact scenario to try and get a recovery for what was, in reality, a single car accident (where, e.g., the driver fell asleep). People who make such claims falsely do so at the risk of being charged with a felony in Florida. If the accident happened as you said it did, hire an attorney and stick to your guns. Your PIP should cover some of your medical care and if you have UM it may go further.
Special investigation department may mean they suspect fraud. You need an attorney. You can check out a guide to selecting an attorney at AmbulanceChasersSuch.com
There are often crashes that occur from phantom vehicles (at fault drivers who do not stop at the scene) or animals that enter the roadway. You would still be entitled to make a claim. However the fact that they have assigned a special investigations adjuster means they will likely question the claim. In any event you should make sure you are represented by a lawyer who has skills in that area and can guide you through the process. It is important to preserve any evidence avilable - photos of the scene, vehicle damage, etc. There may be an issue as to how the crash occurred and what the physical evidence shows.
The information provided herein is not intended to be legal advice and no attorney-cloient relationship exists as a result. Before relying on any advice, please consult an attorney.
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Contact a lawyer, tell the truth. As other attorneys have said, SIU means that they are questioning the validity of your claim...unusual circumstances or suspecting fraud will trigger an insurance company's SIU involvement.
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