Hit and run? Do I have an uninsured motorist claim?

uninsured motorist

 
If you’re the victim of a hit and run, don’t despair.  There are ways that an attorney can help you recover damages for the injuries you have suffered even if the other driver is unknown.

A car accident is a traumatic and costly experience.  It can leave you with injuries, unpaid bills and a damaged vehicle.

Being involved in a car accident with an unidentified motorist is especially frustrating.  However, there may be coverage available to a person injured through her own auto insurance.  This coverage, generally called uninsured motorist coverage, is a contracted-for benefit that’s provided for under an auto-insurance policy and provides for coverage in the event of an accident.

Uninsured motorist CLAIM

In most auto accident claims, an injured person files a claim with the insurance company of the motorist who caused the accident.  However, where you don’t know the other driver, the process is almost exactly the same except the claim is filed with the company of the injured motorist.

Some insurance companies might fight to pay for the financial damages sustained to an injured driver. Unfortunately, this is a common response.

Under Florida law, Statute 627.727, it is required that an insurance company offer uninsured motorist coverage except it also permits a driver to reject the coverage.  If a driver rejects the coverage, she might be left without any recourse if she’s hit by an unknown motorist who flees the scene.  As a result, it generally costs extra and may be categorized with other elective coverage options.

Uninsured motorist coverage, where it applies, can pay for lost wages, bodily injury, sickness or disease that stems from the accident, medical bills, and death.

According to the Insurance Information Institute, Florida ranks 2nd in the highest uninsured drivers with 23.8% of drivers being uninsured based on statistics from 1992 through 2012.  As a result, in any given accident, a driver has almost a 1 in 4 chance of being involved in an accident with an uninsured motorist, and therefore being unable to recover without uninsured motorist coverage.

If you’re the victim of a hit and run and don’t have uninsured motorist coverage, there are still ways that your attorney can try to help you.

Contact the compassionate attorneys at the Coleman Law Group, to protect your rights.

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