Assuming, the police aren’t able to track down the hit and run driver, you still have a case if you have uninsured motorist coverage on your policy. Uninsured motorist coverage is not mandatory in Florida and it is designed to protected injured drivers who are hit by people who don’t have enough insurance or not have insurance at all.

In the case of a hit and run driver, it would fall under the category that the driver didn’t have insurance at all.

Not sure if you have uninsured motorist coverage? – just take a look at your policy documents. If you have bodily injury insurance (BI), then your insurance company must offer you uninsured motorist coverage in an same amount. If you elect not to purchase uninsured motorist coverage you must make a written rejection of the coverage.