What to Do After a Hit-and-Run Accident in Florida?

A hit-and-run accident can leave you feeling shocked, confused, and unsure what to do next. When the other driver flees the scene, it creates legal and financial uncertainty — but you still have options under Florida law.

This guide explains exactly what to do after a hit-and-run accident in Florida, how insurance coverage works, and how compensation may still be available.

Quick Answer 

After a hit-and-run accident in Florida, you should:

1. Call 911 immediately

2. Seek medical attention

3. Document the scene and gather evidence

4. Look for witnesses and nearby cameras

5. Notify your insurance company

6. Review your uninsured motorist (UM) coverage

7. Avoid giving recorded statements without preparation

Even if the driver is not identified, you may still recover compensation through your own insurance coverage.

1. Call 911 and Report the Accident

Under Florida Statutes §316.061, drivers involved in accidents must stop and provide information. Leaving the scene of a crash is a criminal offense in Florida.

Reporting the accident immediately:

• Creates an official police report

• Documents that the other driver fled

• Preserves evidence

• Strengthens your insurance claim

Always request a copy of the crash report for your records.

2. Seek Medical Attention Immediately

Even if you feel “fine,” symptoms may appear hours or days later.

Common delayed injuries include:

• Concussions

• Whiplash

• Soft tissue injuries

• Internal injuries

Florida’s Personal Injury Protection (PIP) system requires you to seek medical treatment within 14 days to access benefits.

PIP typically covers:

• 80% of medical bills

• 60% of lost wages

• Up to $10,000 in coverage

3. Document Everything at the Scene

If you are physically able, gather as much information as possible:

• Photos of vehicle damage

• Skid marks or debris

• Road conditions

• Traffic signs or signals

• Visible injuries

If you saw the fleeing vehicle, note:

• Make and model

• Color

• License plate (even partial)

• Direction of travel

Small details can help law enforcement locate the driver.

4. Look for Witnesses and Cameras

Ask nearby witnesses for:

• Names and contact information

• What they saw

• Any photos or dashcam footage

Check for:

• Nearby businesses

• Traffic cameras

• Residential security cameras

Video footage can significantly strengthen your claim.

5. Notify Your Insurance Company Promptly

Even if the other driver is unknown, you must report the accident to your insurer.

Be cautious when:

• Giving recorded statements

• Speculating about fault

• Minimizing injuries

Stick to the facts and avoid guessing.

6. Understanding Insurance Coverage in Florida Hit-and-Run Cases

Because Florida is a no-fault state, your PIP coverage pays first.

However, if your injuries are serious, you may need additional coverage.

Uninsured Motorist (UM) Coverage

A hit-and-run driver is legally treated as an uninsured motorist.

If you carry UM coverage, it may compensate you for:

• Medical expenses beyond PIP

• Lost wages

• Pain and suffering

• Future medical costs

UM coverage is often the primary source of recovery in hit-and-run cases.

7. Can You Sue After a Hit-and-Run?

If the driver is identified, you may pursue a personal injury claim against them.

Under Florida Statutes §627.737, you can seek pain and suffering damages if you suffer:

• Permanent injury

• Significant and permanent loss of bodily function

• Significant scarring or disfigurement

• Death

If the driver is not identified, recovery typically depends on your own insurance coverage.

8. What If the Driver Is Found?

If law enforcement locates the driver:

• Criminal charges may be filed

• You may file a civil injury claim

• Their bodily injury insurance (if any) may apply

Even if they lack insurance, other legal recovery options may be explored depending on circumstances.

9. How Long Do You Have to File a Claim in Florida?

Under Florida Statutes §95.11, the deadline for filing a negligence-based personal injury lawsuit in Florida is generally two years from the date of the accident.

Insurance policy deadlines may be shorter, so prompt action is important.

Common Mistakes to Avoid

• Delaying medical treatment

• Failing to call police

• Assuming you cannot recover compensation

• Posting accident details on social media

• Accepting a quick settlement without reviewing full damages

Hit-and-run cases can be complex, especially when serious injuries are involved.

Frequently Asked Questions

What happens if the hit-and-run driver is never found?

You may still recover compensation through your PIP and uninsured motorist coverage.

Is a hit-and-run a felony in Florida?

Yes. Leaving the scene of an accident involving injury or death can result in felony charges.

Does PIP cover pain and suffering?

No. PIP only covers medical expenses and lost wages. Pain and suffering requires meeting Florida’s serious injury threshold.

Will my insurance rates increase?

Insurance impact varies depending on your policy and driving history.

Bottom Line

After a hit-and-run accident in Florida:

• Call law enforcement immediately

• Seek medical treatment within 14 days

• Preserve evidence

• Notify your insurance company

• Review your uninsured motorist coverage

Even if the driver is never identified, compensation may still be available through your own insurance policies.

Understanding your rights early can help protect both your financial recovery and your long-term health.