Hit-and-Run Vehicle Claim in Florida: Reporting, Coverage & Process

If you were the victim of a hit-and-run in Florida, your insurance options depend on coverage type. Here's exactly what to do — and how to maximize your recovery.

Time matters. Report to police Immediately if injury; within 10 days if property damage. ALPR (license plate reader) data typically retained only 30-90 days.

Quick Reference

Police Report DeadlineImmediately if injury; within 10 days if property damage

UM Coverage Requirement$10,000 minimum PIP + optional UM coverage

Fault SystemNo-fault state for medical; at-fault for property damage

Police Case NumberRequired for insurance claim

Step 1: Report to Police

Immediately if injury; within 10 days if property damage

Florida Statute §316.061 requires immediate reporting of any hit-and-run involving injury. Property-only must be reported via FL DHSMV Form 90510 within 10 days.

Step 2: Document Evidence

Photos of vehicle damage
Photos of accident scene
Witness statements
Dashcam footage
Nearby ALPR (license plate reader) leads
Police case number

UM (Uninsured Motorist) Coverage

$10,000 minimum PIP + optional UM coverage

Florida is a no-fault PIP state. PIP ($10,000 minimum) covers your medical regardless of fault. UM coverage is optional but valuable for hit-and-run.

Collision Coverage

Collision applies in Florida regardless of fault

Florida collision coverage pays for hit-and-run damage to your vehicle. You pay the deductible.

Will You Pay Your Deductible?

Some Florida insurers offer "no deductible for hit-and-run" endorsements

A few Florida carriers (e.g., Progressive Snapshot) offer deductible waivers for hit-and-run. Ask before policy starts.

No-Fault vs At-Fault

No-fault state for medical; at-fault for property damage

Florida is no-fault for medical (PIP required). Property damage hit-and-run claims go through your collision coverage or the fleeing driver's liability.

Florida Standout Resource

Florida has a "Yellow Dot" program (in 31 counties) where drivers volunteer medical info in a yellow envelope in their glove box. First responders check it for medical context — helpful in hit-and-run accidents where the victim is incapacitated.

Frequently Asked Questions

How fast must I report a hit-and-run in Florida?

Immediately if injury; within 10 days if property damage. Florida Statute §316.061 requires immediate reporting of any hit-and-run involving injury. Property-only must be reported via FL DHSMV Form 90510 within 10 days.

Does my UM coverage apply to hit-and-run in Florida?

$10,000 minimum PIP + optional UM coverage. Florida is a no-fault PIP state. PIP ($10,000 minimum) covers your medical regardless of fault. UM coverage is optional but valuable for hit-and-run.

Will I pay my deductible for a hit-and-run claim in Florida?

Some Florida insurers offer "no deductible for hit-and-run" endorsements. A few Florida carriers (e.g., Progressive Snapshot) offer deductible waivers for hit-and-run. Ask before policy starts.

Is Florida a no-fault or at-fault state for hit-and-run?

No-fault state for medical; at-fault for property damage. Florida is no-fault for medical (PIP required). Property damage hit-and-run claims go through your collision coverage or the fleeing driver's liability.

Do I need a police case number to file a hit-and-run claim in Florida?

Required for insurance claim. Florida insurers require police case numbers. File at local PD or Florida Highway Patrol.

Selling a Damaged Vehicle?

If you're selling a vehicle damaged in a hit-and-run, a Florida bill of sale documents condition and protects you against future claims from the buyer.

Generate Bill of Sale

This page is informational only and not legal advice. Source: Florida DHSMV — Hit and Run. For active claims, follow your insurer and law enforcement instructions exactly.