Understanding Hit-and-Run Compensation in Florida
Getting hit by a driver who speeds off is more than frustrating. It can leave you with injuries, medical and car repair bills, and no clear path for justice. In Florida, hit-and-run crashes are common. When the driver can’t be found, many people are left wondering who will cover the damage. That’s when uninsured motorist (UM) insurance becomes important.
What You Need to Know About UM Coverage
Florida drivers are not required to carry uninsured motorist coverage. That’s a problem. Many drivers don’t carry it or only have the legal minimum, which includes $10,000 in property damage and no coverage for bodily injuries. That means if you get hit by someone who flees the scene, there may be no insurance to help you.
Uninsured motorist coverage is designed to pay for your injuries if the other driver has no insurance or can’t be identified. It can cover things like:
Medical bills
Lost wages
Pain and suffering
Long-term care
If you don’t have UM coverage, you could be stuck paying those bills yourself.
Steps to Take After a Hit-and-Run Crash
If you’re involved in a hit-and-run, here’s what to do:
Call the police and file a report right away.
Get medical attention, even if you think your injuries are minor.
Gather any witness information and look for cameras nearby.
Notify your insurance company.
Don’t wait to seek legal advice.
The sooner you act, the better your chances of recovering compensation. Time matters when it comes to gathering evidence and filing claims.
Why UM Coverage Matters for Hit-and-Run Victims
Without uninsured motorist coverage, you could be left without options. Even though Florida law requires some insurance, it doesn’t require the kind that protects your health and financial future after a hit-and-run. UM coverage fills that gap. It gives you protection when the at-fault driver disappears.
It’s also important to review your policy before an accident happens. Many people assume they have the right kind of insurance until they need it only to find out they don’t. Checking your policy now can make a big difference later.
Contact The Law Office of William Robinson
A hit-and-run can change your life in seconds. If you’ve been hurt by a driver who took off, don’t wait. The Law Office of William Robinson can help you understand your rights and fight for the compensation you deserve. Contact our office today to schedule a consultation.
