For pedestrians, bicyclists and drivers alike, motor vehicle accidents have the potential to cause long-term suffering. Some injured victims may spend years undergoing physical therapy, and in and out of surgery. Others may struggle with post-traumatic stress disorder from the event and require therapy. So, when an at-fault driver flees the scene of an accident, they do more than break the law and put their own freedoms in jeopardy. Hit-and-run offenders may cause significant financial turmoil for victims.
Living in Florida? You should have coverage
Fortunately, the state of Florida requires insurance policies to carry personal injury protection (PIP) to ensure coverage for those suffering from injuries due to car accidents. If you are the victim of a hit-and-run or another motor vehicle accident, note that the PIP coverage should have a limit of $10,000 for medical needs and lost wages, and a $5,000 limit in the event of a victim’s death.
The types of damages you may recover from PIP coverage include:
- Disease, sickness or death related to the accident
- 80% of medical expenses including hospitalization, physical therapy, x-rays, MRIs, surgeries and other reasonable needs
PIP will even provide coverage for injuries that were pre-existing but were exacerbated or made worse due to the automobile accident.
In addition, many drivers have or should have Uninsured/Underinsured Motorist Insurance. This insurance is so important that FL Law requires all policies carry it unless a specific written waiver is made when the policy is issued. Uninsured/Underinsured Motorist Insurance, provides additional coverage beyond the $10,000.00 of PIP if the at-fault driver cannot be located or does not have any, or sufficient, bodily injury coverage.
Often, victims of a hit-and-run are not aware of all of the possible insurance coverages available and suffer needlessly when there is money available to cover medical expenses, rehabilitation and even lost wages.
Additional possible damages include recovery for personal pain and suffering and even punitive damages. Punitive damages are awarded to the plaintiff as a punishment for the defendant’s actions.
Reach out to an attorney so you get the benefit of all available insurance coverages including PIP and possibly Uninsured/Underinsured or Bodily Injury coverages.