If you are involved in a hit-and-run case, it can be both shocking and frustrating by nature.
In one moment, you are going about your day, and the next, your car becomes damaged, or it can be worse, that you got injured, and the other driver has already vanished without a single trace. In such a situation, most victims do wonder: Is it really worth filing a claim for a hit and run?
The short answer remains yes, by filing a hit and run insurance claim, which is usually worth it, especially if your policy includes coverage that can aid you in recovering all your losses. However, there exist a few essential factors to consider, including your coverage type, deductible, state laws, and the extent of damage or injury. Let us break it all down.
What Is a Hit-and-Run?
A hit-and-run in Florida occurs when a driver causes an accident, whether involving another vehicle, a pedestrian, or property damage, and leaves the accident scene without stopping to identify themselves or offer any assistance.
Some of the common instances include
- A driver causing an accident at an intersection and fleeing
- A car hits your parked vehicle and drives away
- Furthermore, a motorist striking a pedestrian or a cyclist without even halting.
According to the expert attorneys from Abercrombie P.A., these types of situations aren’t only dangerous but illegal in nature. In most states, including Florida, fleeing the scene of an accident is regarded as a criminal offence with severe penalties.
What Happens If You’re the Victim of a Hit-and-Run?
When you are unable to locate the at-fault driver, you are left with the burden of covering damages and medical expenses yourself, unless you have the correct type of hit-and-run insurance within your possession.
It is where filing a hit-and-run insurance claim becomes essential. You are able to recover costs through your own auto insurance policy, depending on the coverage you have selected.
Coverage That Helps in Hit-and-Run Accidents
According to expert attorneys from Abercrombie P.A., the following are the primary types of hit-and-run insurance claim and coverage that may apply.
Uninsured Motorist (UM) Coverage
It is the uninsured motorist coverage that protects you in all kinds of hit-and-run in Florida, because a fleeing driver is considered chiefly uninsured if they cannot be identified.
- They do cover bodily injury to you and your passengers
- They also cover lost wages and pain and suffering
- It is available in most states and is optional by nature
Always note that in the state of Florida, uninsured motorist coverage is optional. Still, it is highly recommended, especially with the higher number of uninsured and hit-and-run drivers within the state.
Collision Coverage
In Collision insurance, you pay for the repair of your vehicle, regardless of who is at fault. If someone hits your car and drives off, collision coverage helps you get your vehicle repaired.
- It requires you to pay a deductible
- Mostly leads to a premium increase just after the claim
Personal Injury Protection (PIP)
According to expert practitioners from Abercrombie P.A. in the state of Florida, all drivers are required to carry Personal Injury Protection, which covers all kinds of medical expenses for you and fellow passengers, regardless of fault.
- It basically covers up to 80% of your medical bills and 60% of the lost income.
- It can be used after a hit-and-run in Florida, even if the other driver isn’t found
Hit-and-Run in Florida: A Big Problem
If you live in the state of Florida, you should be aware that hit-and-runs are very common. According to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV), there are over 10,000 hit-and-run crashes in the state each year.
Why are there so many hit-and-runs in Florida?
- Because of the existence of a higher number of uninsured drivers
- Tourists who are unfamiliar with the local traffic laws
- Fear of DUI and other legal consequences
- In most states, it is critical to have hit-and-run insurance coverage like UM or collision if you live in the state of Florida.
- It provides you with peace of mind, knowing you are financially protected even if the at-fault driver disappears.
Is It Worth Filing a Hit-and-Run Insurance Claim?
Whether it is really worth it depends on numerous factors. Yes, it’s worth it if:
- The damage to your vehicle is more than the deductible
- You suffered severe injuries and require help in covering the medical costs
- You have UM or collision coverage that applies
- The other driver isn’t found, and you can’t pursue them legally
It may not be Worth It If:
- The damage seemed minor and less than your deductible as well
- You are primarily concerned about your insurance premiums increasing
- You don’t have any applicable coverage and would be fully paying out of your pocket
That being said, it is usually a good idea to report the accident to your insurer and let them help determine whether you should proceed with a claim or not.
How to File a Hit-and-Run Insurance Claim?
If you decide to file a claim, here’s what you should do:
Call the Police Immediately
According to the attorneys from Abercrombie P.A., a police report is critical for your claim.
Gather Evidence
Take a photo of the accident scene, your vehicles, and all kinds of damage.
Talk to Witnesses
If anyone witnessed the crash, do get their contact information.
Report the Claim to Your Insurance
Always report the claim to your insurance. Perform this as soon as possible.
Follow Up On Your Medical Care
If you get injured, seek treatment and keep a strict record of it.
Final Thoughts: Should You File a Hit-and-Run Claim?
If you still wonder, “Is it worth filing a claim for a hit-and-run?” the answer is simply yes, especially if you are dealing with significant damage or injuries. You have hit-and-run insurance coverage, such as UM, PIP, or collision.
In most places of Florida, where hit-and-runs are very common, having the right insurance can always be a financial lifesaver. Even if the other driver doesn’t get caught, your policy might help you recover and move forward.
Always review your policy in advance and consult with your insurance provider to discuss your coverage options. If needed, do consult a legal expert who is able to guide you through your rights as a hit-and-run victim.
