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.

Florida-Specific Facts for Hit And Run Vehicle Claim

Florida Vehicle transfer fees and requirements

In Florida, the title transfer fee is $75.25 and registration costs $14.50 - $32.50 based on vehicle weight. Vehicle sales are subject to 6% state sales tax plus discretionary county surtax (up to 1.5%). Florida does not require notarization for private-party vehicle transfers. Florida does not require emission testing for private-party vehicle sales.

Electronic title program (no paper titles for lien-free vehicles)
Title must be transferred within 30 days
Sales tax applies to purchase price or NADA value, whichever is higher
Florida Highway Safety and Motor Vehicles handles registration

Official Florida bill of sale form

The official Florida bill of sale form is HSMV 82050 (Motor Vehicle, Mobile Home, or Vessel Bill of Sale). BillOfSaleNow generates a document that meets all Florida requirements and can be used in place of the official form.

Florida sales tax on vehicle purchases

Florida has a 6% state sales tax rate. 6% state plus county discretionary surtax (0.5–1.5%). Private-party vehicle sales in Florida are subject to sales tax. Tax based on purchase price or NADA book value, whichever is higher. The title transfer fee is $75.

Florida bill of sale statistics

BillOfSaleNow has generated 8,923 bill of sale documents for Florida transactions, with 241 generated this month alone. The most popular vehicle type is car.

More Florida Vehicle Guides

Each guide is written specifically for Florida laws, agencies, and procedures. Bookmark for future reference.

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.