Hit by a Hit-and-Run Driver in Florida? What to Do Next
Getting hit by a driver who then speeds off is frightening and infuriating — and it can feel hopeless if you never learn who they were. But in Florida, a hit-and-run does not mean you’re stuck with the bill. Here’s how to protect yourself and still recover.
Right after the crash
- Don’t chase the other driver — stay safe and stay at the scene.
- Call 911 and report it; a police report is important for your claim.
- Write down anything you remember — partial plate, make/model, color, direction.
- Look for witnesses and nearby cameras (businesses, doorbells, traffic cams).
- Photograph the scene and your injuries, and get medical care right away.
How you still get compensated
Two coverages usually step in when the at-fault driver is unknown:
- PIP (no-fault): pays your initial medical bills and some lost wages regardless of who hit you.
- Uninsured/Underinsured Motorist (UM/UIM): a hit-and-run driver is treated as “uninsured,” so your own UM coverage can pay for injuries beyond PIP, including pain and suffering.
This is exactly why UM coverage is so valuable — learn more in our guide to uninsured and underinsured motorist claims.
Report it promptly
Notify the police and your own insurer quickly — UM policies often require prompt reporting of a hit-and-run. Delays can give the insurance company a reason to question your claim.
Frequently asked questions
Can I get compensated if the driver was never found?
Yes. Your PIP covers initial medical costs regardless of fault, and your uninsured-motorist coverage can pay for further injuries because a hit-and-run driver is treated as uninsured.
Do I need uninsured-motorist coverage to have a claim?
UM coverage is what pays for pain and suffering after a hit-and-run, so it’s extremely valuable. Even without it, your PIP still covers initial medical bills.
What if I only got a partial license plate?
Still report it — police can sometimes identify the driver from a partial plate plus witness or camera evidence, which may open up a claim against them directly.
This article is general information about Florida law, not legal advice. Every case is different. Alfredo J. Rubio Law, PLLC offers free, bilingual consultations — contact us to discuss your case.
