Hit and Run Insurance Claims in Florida
Everything you need to know about hit and run insurance claims in Florida (FL), including state-specific laws, filing deadlines, and how to contact the Florida Office of Insurance Regulation.
Florida law at a glance
Last reviewed against the sources linked below.
Does a Florida total-loss payment have to include sales tax and title fees?
A Florida first-party total-loss cash settlement must include sales tax where applicable, though the insurer may defer it until actually incurred. The statute does not mention title or registration fees.
Source: Fla. Stat. § 626.9743(5)(a), (9)
How long do you have to sue over car damage in Florida?
Negligence actions accruing after March 24, 2023 must be filed within two years. Section 95.11 also lists a four-year period for injuring personal property, but a crash claim is usually founded on negligence.
Source: Fla. Stat. § 95.11(5)(a)
Which Florida rule governs how auto insurance claims are settled?
Florida statute on motor vehicle claim settlement practices, including first-party total-loss valuation and sales tax.
Source: Fla. Stat. § 626.9743
General information about Florida law, not legal advice. Laws and policies change and your policy wording matters; check the cited source or ask a Florida attorney before relying on a deadline. No outcome is guaranteed.
Florida Insurance Regulation Overview
Florida's Office of Insurance Regulation oversees one of the most complex insurance markets in the US, particularly for property insurance due to hurricane exposure. Major tort reform in 2023 changed Florida from a pure comparative to modified comparative fault state.
Key Florida Insurance Regulations
- Modified comparative fault — barred at 51% or more fault (as of 2023 tort reform)
- 2-year statute of limitations for personal injury (reduced from 4 years in 2023)
- No-fault PIP state — PIP coverage required on all policies
- Assignment of Benefits (AOB) reform limits contractor direct claims
How to File Hit and Run Insurance Claims in Florida
When filing hit and run insurance claims in Florida, it's important to understand the state's specific insurance regulations and consumer protections. The Florida Office of Insurance Regulation oversees insurance companies operating in Florida and provides resources for consumers who need assistance with their claims.
Step-by-Step Process for Florida
- Document your claim — Gather all evidence relevant to your hit and run insurance claims including photos, receipts, medical records, and any correspondence with your insurance company.
- Review your policy — Check your insurance policy for specific coverage terms, deductibles, and exclusions that apply in Florida.
- File promptly — Florida has specific deadlines for reporting insurance claims. Contact your insurer as soon as possible to initiate the claims process.
- Know your rights — Under Florida law, insurance companies must handle claims fairly and in a timely manner. If you believe your claim was wrongfully denied, you can file a complaint with the Florida Office of Insurance Regulation.
- Check the numbers — Compare the insurer's offer or denial with the Florida rules above and the policy wording. InsurifyAI can review the insurer's report and help you put your response in writing; you (or your attorney) present it to the insurer.
Florida Office of Insurance Regulation
Phone: (850) 413-3140
Website: https://www.floir.com
File a Complaint: Consumer Complaint Portal
Commissioner: Michael Yaworsky
More on Florida auto claims
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