Hit and run car crashes make up 11% of all accidents according to a study conducted by the U.S. Department of Transportation’s National Highway Traffic Safety Administration (NHTSA). This sobering fact drives home the need for all drivers to elect Uninsured Motorist (UM) coverage on their automobile insurance policy. Without UM coverage, you may be left high and dry unable to recover any money for your damages. Keep reading to learn how UM policies offer critical protection after a hit-and-run crash.
What Is a Hit-and-Run?
Anytime a driver causes a crash and knowingly does not stop to provide their information, it’s considered a hit-and-run.
Uninsured Motorist Coverage in Florida
Uninsured motorist (UM) coverage offers coverage for bodily injury damages, medical bills, and lost wages if you are involved in a crash with a person without insurance. Although UM is optional in Florida, it is imperative all drivers elect the coverage to ensure they are fully protected in the case of a crash.
How Uninsured Motorist Applies to Hit and Runs
As a victim of a hit and run, you may recover damages up to the limits of your uninsured motorist policy. Typically, UM policy limits are the same as bodily injury limits but they can be adjusted by the
What If I Don’t Have UM Coverage?
Florida is a “no-fault” auto accident state, so your auto insurance policy must include personal injury protection (PIP) which will pay for up to $10,000 of medical bills and lost wages.
If your damages in a hit and run exceed $10,000 and you do not have UM coverage, you could be held personally responsible for the outstanding balance.
If you are unsure whether you have uninsured motorist coverage, contact your insurance agent immediately to ensure you are fully protected.
Contact an Experienced Accident Attorney
If you’ve been the victim of a hit-and-run driver, it’s imperative that you seek assistance from an experienced Tampa car accident attorney. The team at Anton Castro in Tampa and Wesley Chapel, FL will discuss your case in detail and review all legal options including settlement or trial. Representing our client’s best interests is always our top priority.
Call 813-907-9807 or visit tampaattorneys.org to schedule a consultation today.