movieposter

Halloween is just around the corner and everyone’s in the mood for scary movies.  Remember the movie Christine?  Pretty scary for the time, right?  Well, this is not about that kind of phantom vehicle, sorry. This is about another scary kind of vehicle-the Phantom Vehicle. (Cue evil laugh)

A phantom vehicle is one that causes injury, death or damage either with or without making physical contact.  For example, if a vehicle runs you off the road and causes you to crash, they are considered a phantom vehicle.  The name refers to the fact that in most such cases, the driver of the phantom vehicle, much like a hit and run driver, leaves the scene, and thus in the subsequent accident investigation, the identity of the phantom vehicle is unknown. Only eye witness testimony, surveillance video or dash cam recordings may assist in identifying the phantom vehicle.  It is also critical to get the name and address of any witnesses who saw the phantom vehicle as they can help you establish your claim.

Most Uninsured Motorist insurance policies will provide coverage to customers who have been injured as a result of a negligent phantom vehicle.  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 really tricky, so a wise consumer might want to consult an experienced Florida accident attorney.  I have handled many such cases and would be honored to help you, too.