Being involved in a car accident is always stressful, but a hit-and-run accident can be particularly devastating. When the at-fault driver flees the scene, it can leave you with significant injuries and financial burdens while facing uncertainty about who will cover the costs.
Understanding Liability in Hit-and-Run Accidents
In Florida, if you are injured in a hit-and-run accident, your insurance coverage may be your primary source of recovery.
- Uninsured/Underinsured Motorist (UM/UIM) Coverage: This portion of your auto insurance policy is designed to cover your damages when you are injured by an uninsured or underinsured driver. Since a hit-and-run driver is, by definition, uninsured, your UM coverage becomes crucial. Check your insurance policy and confirm that you have UM coverage, it is optional and many people reject this valuable coverage without knowing what they are rejecting.
- PIP Coverage: Florida is a no-fault state, meaning your Personal Injury Protection (PIP) typically must be used initially to cover your medical expenses and lost wages, regardless of who was at fault in the accident. When PIP is applicable, failing to properly use it may void other valuable coverage, such as your health insurance coverage for bills that exceed the PIP policy limit, which is usually only $10,000.
Investigating and Pursuing a Claim
While your insurance may provide initial coverage, it’s crucial to investigate the hit-and-run accident further. This may involve:
- Contacting the Police: Report the accident to the police immediately, providing as much detail as possible about the incident and the other vehicle.
- Gathering Evidence: Collect any available evidence, such as photos of the accident scene, witness statements, and medical records. Be sure to get witness contact information, including their full name, phone number and if possible an e-mail.
- Consulting with an Attorney: An experienced personal injury attorney can help you:
- Investigate the accident and identify potential leads to locate the hit-and-run driver.
- File a claim with your insurance company.
- Explore all available legal options for recovering damages.
- Advocate for your rights and ensure you receive the compensation you deserve.
Hit-and-run accidents can have significant consequences. If you’ve been involved in such an incident, it’s crucial to take swift action to protect your rights and seek the necessary medical care and financial support.
At Weinstein & Cohen, we are dedicated to providing comprehensive support to clients involved in such accidents. If you or someone you care about has been injured or involved in an accident across South Florida, contact our accident lawyers and Miami personal injury attorneys at 305-374-1011, or visit fairnessforall.com for a free legal consultation to learn more about your options.
