Every year, Florida drivers face the harsh reality of hit-and-run crashes—where the at-fault driver flees, leaving victims scrambling for answers. Many believe their insurance will automatically cover these situations, but the truth is more complex. Florida’s Personal Injury Protection (PIP) insurance, required by law (§ 627.736), pays up to $10,000 for medical expenses and lost wages, regardless of fault. However, PIP does not cover pain and suffering, and its limits often fall short for serious injuries.
Uninsured Motorist (UM) coverage, governed by Florida Statutes § 627.727, is your best defense when the responsible driver cannot be identified or lacks insurance. UM coverage must be added to your policy before the crash—it cannot be retroactively applied. UM can compensate for damages beyond PIP, including pain and suffering, but many Floridians skip this option, not realizing its importance until it’s too late.
Timing is critical. Florida law requires prompt reporting of hit-and-run accidents to your insurer. If you need to pursue additional compensation, you have four years from the date of the crash to file a lawsuit. Missing these deadlines can bar your claim entirely. Don’t let a fleeing driver leave you stranded—review your policy, understand your coverage, and act quickly to protect your rights.
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Disclaimer: This content is for informational purposes only and does not constitute legal advice, and laws and legal interpretations may change after the date of publication.
Written by:
Gil Sánchez, Esq.
CEO | Civil Trial Attorney
Black Rock Trial Lawyers
Abogados Law
