Florida Personal Injury - What if I'm injured in an accident with a hit-and-run driver?
Hit and run drivers are some of the most dangerous people on the road. Not only did they have a reason to run in the first place, but they could be leaving an innocent person with damages and injuries. This guide will explain what to do with a hit and run accident.
Prevention is the best protectionIn Florida, all drivers are required to have Personal Injury Protection (PIP) and Property Damage (PD) insurance. However, there is an optional coverage called Uninsured Motorist (UIM) that can protect you in the case that your accident is with someone driving illegally and uninsured. In a hit-and-run accident, the "phantom vehicle" is technically considered uninsured, so you can make a UIM claim. This will cover at least a portion of your expenses even if the other driver is never found.
During the accidentIf you are unlucky enough to be involved in a hit-and-run accident, make sure to create paper trail first by calling the police while at the scene of the crime. Even though it may only be you there, insurance companies often times require a police report to substantiate such hit-and-run claims. You are going to need all the evidence you can get, so take pictures, talk to witnesses, and basically record as much information as you possibly can, completely by the book. Taking extra time to be thorough could mean a big difference later.
After the accidentYou are going to need an attorney after a hit-and-run because you will be dealing directly with your insurance company. While you may think they have your best interests in mind because they insure you and you pay insurance premiums, this is seldom the case. The insurance company will do everything they can to minimize your payout, and in the case of a hit-and-run, they may try to pay nothing at all if you don't play your cards right. Hire a knowledgeable personal injury attorney and make sure you don't get stuck with the bill. Good luck!