Experiencing any auto accident is distressing, but a hit-and-run incident can worsen the situation significantly. If it happens to you, your Pro America Insurance representative serving Naples, FL, wants you to know what to do.
What is a Hit-and-Run in Florida?
In Florida, a hit-and-run is when a driver involved in a crash leaves the scene without providing the required information or aid. Florida state law requires drivers to stop after any accident involving property damage, injury, or death.
Florida’s No-Fault Insurance (PIP)
Florida’s no-fault insurance law requires every driver to carry Personal Injury Protection (PIP) coverage. PIP covers your own medical expenses (typically 80% of costs up to $10,000) regardless of who caused the accident. Thankfully, this means you can get treatment under your own policy even if the hit-and-run driver isn’t found.
Steps to Take After a Hit-and-Run
- Stay Safe – Check for injuries and get to a safe area. Call the police to report the crash, but do not chase the other driver, no matter what, even if you strongly believe you can catch up to them. You’d only be putting yourself in danger by doing so.
- Gather Evidence – Write down details about the fleeing vehicle (license plate, make, model, color) and the driver’s appearance. Take photos of the scene and get witness contact information.
- Notify Your Insurer – Promptly contact your auto insurance company representative at Pro America Insurance serving Naples, FL, and provide them with the police report. Your PIP coverage will cover your medical bills.
- Seek Medical Attention – Get a medical check-up right away, even if you feel fine. This ensures any injuries are documented for your insurance claim.
For help with a hit-and-run claim, contact us – we’re here to support you with all your auto insurance needs in Florida!
