“Phantom vehicle” is a term used in the insurance and claims industry to describe a vehicle in an automobile accident that has left the scene of the accident and is unidentified.
Most Uninsured Motorist insurance policies will provide coverage to customers who have been injured as a result of the negligence of a phantom vehicle (driver). However, many of those policies put restrictions on how phantom vehicle claims can be pursued. For example, some policies require that a phantom vehicle accident be reported to the insurance company within 24 hours of the crash. Meanwhile, other policies attempt to require that some physical impact between the vehicles occurred.
Phantom vehicle claims can be tricky, so a wise consumer might want to consult an experienced Florida accident attorney.