When a driver flees after a crash, victims are often left confused and unsure how to recover their losses. While financial recovery may seem out of reach in these situations, specific insurance coverage and legal options can still make it possible. Taking advantage of these options, however, requires prompt action, as Florida law sets firm deadlines for both insurance claims and lawsuits.
Steps to recover damages after a hit-and-run
The actions victims take in the days following a crash can shape the outcome of their claim. These include:
- Reporting the crash right away: Victims should file a police report immediately to create an official record of the incident. They should also send a written notice to their insurer to formally start the claims process.
- Seeing a doctor within 14 days: Florida law requires injured victims to seek medical care within 14 days of the crash to access Personal Injury Protection (PIP) benefits. Waiting too long can cause the insurer to deny those benefits entirely.
- Writing down the details: Victims should record key information about the crash while their memories are fresh. They should capture the date, time, location, witness contacts and any details about the fleeing vehicle.
- Reviewing the insurance policy: When the at-fault driver cannot be found, a victim’s own policy often serves as the main source of recovery. Victims should check their Uninsured Motorist (UM) coverage limits, as UM coverage can help pay for medical costs and lost wages if police never identify the driver.
While pursuing compensation, victims should also take deliberate steps to keep their claim intact. Starting with their personal records, they should store all accident files and medical documents on a secure personal device. Beyond managing records, victims should avoid posting about the crash on social media, as insurers may use public posts to justify reducing payouts. Similarly, before signing any release forms or settlement offers, victims should seek legal guidance to avoid limiting their future recovery options.
How an attorney can support a Florida hit-and-run claim
Handling a hit-and-run claim alone can be difficult, especially when an insurer disputes or delays payment. A personal injury attorney can help review the available evidence, negotiate directly with insurance adjusters and pursue formal legal action if a claim is wrongfully denied.