Which type of coverage would be activated for damages caused by a hit-and-run driver under a Florida business auto policy?

Uninsured Motorists Coverage is the appropriate type of coverage that would be activated for damages caused by a hit-and-run driver under a Florida business auto policy. This coverage is designed to protect insured individuals in situations where they are involved in an accident with a driver who does not have insurance or cannot be identified, such as in the case of a hit-and-run.

In Florida, hit-and-run incidents are treated similarly to accidents with uninsured motorists because the driver responsible for the damages is not available or cannot be covered under a liability policy. Therefore, when a policyholder suffers damages from an unknown driver, Uninsured Motorists Coverage allows them to recover those costs, similar to how they would if the other driver had been insured.

Comprehensive Coverage generally covers losses due to non-collision incidents, such as theft or damage from fire and natural disasters, but would not apply to accidents involving other vehicles. Collision Coverage would be applicable when there is an identifiable vehicle that can be claimed against, but in a hit-and-run scenario, this option would not be helpful as the fleeing driver cannot be held liable. Property Damage Liability Coverage protects the insured from damage they cause to other people's property but wouldn’t help someone who suffered damages due to another driver fleeing the scene.