District Court of Appeal of Florida April 14, 1987, No. 86-2645 (Protective Insurance Co. v. Palma)

SCHWARTZ, Chief Judge.

We again follow our repeated holdings that the simple non-coverage question of whether the negligence of a hit-and-run, so-called “phantom” driver1 contributed to the accident of which a UM insured complains is a question for the arbitrators, not the court. Ebens v. State Farm Mutual Automobile Ins. Co., 278 So.2d 674 (Fla. 3d DCA 1973); Industrial Fire & Casualty Ins. Co.