If you’ve been hit by a driver who then flees the scene of the accident, but you have Uninsured/Underinsured Motorist (UM) insurance coverage, you can file a claim with your insurer for any injuries or property damage caused by the fleeing driver. Your insurance will cover any damages which you may have suffered. Florida law treats a hit-and-run driver who can’t be located by police as if the driver had no insurance. The process you should follow when involved in a hit-and-run accident is the same as if the driver that hit you had pulled over to the side of the road, and you should immediately call the police.