Finding out that someone has struck your car while it is parked can be an incredibly stressful and frustrating experience. Understanding how to deal with the situation will help you feel more at ease and receive the support that you need.
This is a guide that will show you what to do in Florida if your car is hit.
1. Check for Damage and Injuries
Assess the damage first. Take pictures from different angles if it is safe. Call 911 immediately if anyone is injured including passengers from the other vehicle.
2. Find a Note or Witnesses
Collect the contact information and insurance details of the person who struck your vehicle. If there is no note, ask if any witnesses can give details about what happened. These witnesses’ accounts are crucial in the event of a later dispute over fault.
3. Notify Law Enforcement
If there is significant damage or injuries, Florida requires that you report the accident. The police will prepare an official report that can be crucial when filing an insurance claim. Be sure to get the officer’s contact information and the report number.
4. Contact Your Insurance Company
Inform your insurance company as soon as you can about the accident. Please provide all the relevant information, such as photos, police report numbers, and witness details. Reporting the incident, even if you do not know who hit your car can help you better understand your insurance options.
5. You Can File a Claim
You can file a claim for your car damage if you have collision insurance. You will be responsible for your deductible. Your insurance company can seek compensation from the other driver’s insurer if they can identify the driver at fault.
6. Keep Records
Keep detailed records of any communications relating to the incident. This includes conversations with police officers, witnesses, and your insurance provider. You can use this documentation to help resolve any issues or dispute claims.
This post was written by Kelly-Ann Jenkins of Jenkins Law P.L. Kelly-Ann is an insurance claim Lawyer. The information on this site is not intended to and does not offer legal advice, legal recommendations, or legal representation on any matter. Hiring an attorney is an important decision, which should not be based on advertising. You need to consult an attorney for legal advice regarding your situation.
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