In case of a hit and run accident, you normally have two options – (i) locate the driver and file a claim against him or her or the insurance company, or (ii) file a claim under your own insurance policy. Although Florida requires all drivers to carry Personal Injury Protection (PIP) insurance, a PIP policy will not cover a hit and run accident. Even though Florida does not require its motorists to carry uninsured motorist insurance, it is available on the market and may be your only option if you cannot locate the offending driver.