A man was seriously injured after being hit by a vehicle that left the scene on Woodlawn Road near State Road 16 in St. Johns County, Florida, according to an article on News4Jax.com. According to police, the driver of the vehicle left the scene and has not been located. There did not appear to be a good description of the driver or his/her vehicle.
As most people know, it is against the law in Florida to cause an accident with injuries or property damage and then leave the scene without providing your contact and insurance information. When someone is injured, as in this case, it is a serious felony crime.
But what can an injured person do to recover damages for his/her injuries after an accident where the at-fault party leaves the scene and cannot be identified? Normally, when a person causes an auto accident that results in injuries, the injured party can make a claim with the at fault driver's insurance company and negotiate a recovery amount or go to trial and get a verdict that the other driver's insurance company has to pay. However, when the injured party does not know who that person is, or does know but learns that the person is not insured, there is still a way to recover damages for injuries.
This is where uninsured or underinsured motorist insurance coverage comes into play. Uninsured/underinsured motorist coverage allows a person to make a claim, or file a lawsuit, against his/her own insurance company to pay for damages caused by another person who either cannot be identified, has no insurance or does not have enough insurance to cover the damages. However, not everyone has uninsured/underinsured motorist coverage. When you get normal liability insurance that covers you if you cause an accident that injures another person, the insurance company is required to ask you if you want uninsured/underinsured motorist coverage. If you do not want that coverage, you are supposed to be given a rejection notice to sign.
If you are unsure as to whether or not you have uninsured/underinsured motorist coverage, contact your auto insurance company and ask them. If you or a family member gets injured in an accident with another driver who leaves the scene or has little or no insurance, uninsured/underinsured motorist coverage may be your only way to recover your damages.