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What Should You Do If Hit While Driving Someone Else’s Car In Clearwater, FL?

Home   /   Personal Injury Blog   /   What Should You Do If Hit While Driving Someone Else’s Car In Clearwater, FL?

May 30, 2023 | By Roman Austin Car Accident and Personal Injury Lawyers
What Should You Do If Hit While Driving Someone Else’s Car In Clearwater, FL?

Have you ever borrowed a vehicle belonging to a friend, parent, other relative, or co-worker? Maybe your vehicle was in the shop, or you just had to run a quick errand.

Have you ever thought about what would happen if you were hit while driving someone else’s car in Clearwater, FL? This situation can be confusing, but a car accident lawyer from Roman Austin Car Accident and Personal Injury Lawyers can provide you with legal advice and guidance.

Insurance Usually Follows the Vehicle

In most situations, the insurance follows the vehicle in case of an accident. The minimum insurance requirements in Florida are $10,000 in personal injury protection (PIP) and $10,000 in Property Damage Liability coverage (PDL). PIP insurance covers medical expenses that are reasonable and incurred soon after a car accident. PIP insurance can also cover up to 60% of accident-related lost wages, up to $10,000. These benefits cover you regardless of who was at fault for the accident, Florida does not require drivers to purchase bodily injury liability (BIL) coverage. However, many drivers still purchase insurance.

BIL insurance covers the medical expenses and lost wages others suffered if you are at fault for the accident. PIP and BIL generally follow the vehicle, so if you are driving someone else’s vehicle, this insurance would probably cover the accident. You could make a claim with the vehicle owner’s insurance provider to cover your losses. 

Options Following A Car Accident

You may have several options for recovering compensation following a car accident, including:

Filing A Claim With The Owner’s Insurance 

As stated above, you may be able to pursue compensation by filing a claim with the owner’s PIP insurance policy. If the at-fault driver was uninsured or underinsured, you can check with the vehicle owner if they have uninsured (UI) and/or underinsured motorist (UIM) coverage. Both of these types of insurance are optional in Florida. However, many people purchase additional insurance to protect themselves and others in case of an accident.  

Filing A Claim WIth Your Own Insurance 

If you own a vehicle, you may be able to file a claim with your own insurer to pay the difference between the damages you suffered and what the vehicle owner’s coverage paid for, subject to the limits of your policy. In this type of situation, your policy functions as secondary coverage. 

Filing a Claim With The At-Fault Driver’s Insurance 

You may be able to file a claim with the at-fault driver’s liability insurance. However, this assumes they have bodily injury liability insurance. 

Suing The At-Fault Driver 

If the other driver did not have insurance or their insurance provider refused to offer a reasonable settlement, you may consider filing a lawsuit against the at-fault driver. An experienced Clearwater personal injury lawyer can help guide you through this process. 

Steps to Take After A Car Accident

Because it can be confusing to be involved in a car accident while driving someone else’s vehicle, keep this list handy to know what to do after an accident:

  • Call 911 and request an ambulance if anyone is injured.
  • Report the accident to police so an accident report can be prepared.
  • Exchange information with the other driver. Ask for their driver’s license number, vehicle information, contact information, and insurance information. Let them know the owner’s information. 
  • Seek medical attention promptly so your injuries can be diagnosed.
  • Take pictures of the damage to the vehicles and the accident scene. 
  • Check if there are any nearby traffic or red light cameras that may have recorded the accident. 
  • Obtain the accident report once it is ready.

Finally, reach out to an experienced car accident lawyer to protect your legal rights. Contact Roman Austin Car Accident and Personal Injury Lawyers for help.

Contact the Clearwater Car Accident Law Firm of Roman Austin Car Accident and Personal Injury Lawyers for Help Today

For more information, please contact the legal team of Roman Austin Car Accident and Personal Injury Lawyers for a free initial consultation with a car accident lawyer in Clearwater. We have convenient locations in Florida: St. Petersburg, Safety Harbor, Clearwater, New Port Richey, and Tampa.

We serve throughout Pinellas County, Hillsborough County, Pasco County, and its surrounding areas:

Roman Austin Car Accident and Personal Injury Lawyers - Clearwater Office
1811 N. Belcher Road, Suite I-1
Clearwater, FL 33765

(727) 787-2500

Roman Austin Car Accident and Personal Injury Lawyers - Congress Ave Office
2360 Congress Avenue
Clearwater, FL 33763

(727) 591-5610

Roman Austin Car Accident and Personal Injury Lawyers - Tampa Office
6601 Memorial Hwy Suite 202
Tampa, FL 33615

(813) 686-7588

Roman Austin Car Accident and Personal Injury Lawyers - New Port Richey Office
2515 Seven Springs Blvd.
New Port Richey, FL, 34655

(727) 815-8442

Roman Austin Car Accident and Personal Injury Lawyers - St. Petersburg Law Office
840 Beach Dr NE Suite 202
St. Petersburg, FL 33701

(727) 787-2500

Roman Austin Car Accident and Personal Injury Lawyers - Safety Harbor Law Office
202 9th Ave S Suite A-2
Safety Harbor, FL 34695

(727) 787-2500

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I have worked closely with Miles Hickman of Roman Austin and he combines a rare blend of fierce trial capabilities with the kind of bedside manners that clients greatly appreciate. This is a standout office...
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I have worked closely with Miles Hickman of Roman Austin and he combines a rare blend of fierce trial capabilities with the kind of bedside manners that clients greatly appreciate. This is a standout office of trial attorneys that we feel confident referring clients to get a great resolution.

C Sanchez, Esq.

They did a great job and even advised what to do if there was no insurance for the at-fault driver and I had to self represent. Ended up being able to get me the fullest...
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They did a great job and even advised what to do if there was no insurance for the at-fault driver and I had to self represent. Ended up being able to get me the fullest payout possible, team was easy to keep in touch with, and Miles was clear in his explanations and helpful with his advice. I still use some of the doctors I connected with through their firm. Would recommend Roman Austin and would use them again.

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I cannot say enough incredible things about Roman Austin Law Firm. John Austin is a phenomenal lawyer. I was in a bad crash that involved a truck totaling my vehicle and sustaining neck and back...
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I cannot say enough incredible things about Roman Austin Law Firm. John Austin is a phenomenal lawyer. I was in a bad crash that involved a truck totaling my vehicle and sustaining neck and back injuries.Going into this process, I was honestly apprehensive about even hiring a lawyer. I was especially wary of those large, commercial firms that just want to move cases quickly. I had heard some great things about Roman Austin, but did my own extensive research and now know why they are a five star firm. What could have easily been a stressful and overwhelming experience turned into something completely different because of John Austin and his team. Choosing them was one of the best decisions I have ever made.John is truly exceptional. He is incredibly detailed, meticulous, and completely devoted to his work. He worked tirelessly on my case, going above and beyond anything I could have ever expected. He spent countless hours (even on weekends), and was always available whenever I needed him. His level of dedication, care, and precision is something you rarely find.Beyond that, he is patient, kind, and deeply compassionate. You never feel like just another case. He genuinely cares about you as a person and wants the absolute best for you. He made what could have been a difficult process feel manageable and supported every step of the way.His entire team was phenomenal. They were responsive, professional, and just as committed. Every interaction felt thoughtful and intentional.The outcome we achieved was fantastic, and I am beyond grateful. I couldn't be more pleased with my experience.If you are considering legal representation, I wholeheartedly recommend John at Roman Austin Law Firm. They are professional, dedicated, and truly invested in their clients.Choosing John Austin made all the difference. He fought tirelessly to ensure that everything I endured was recognized and fairly compensated, and that level of dedication is something I will never forget. I am profoundly grateful not only for the outcome, but for the care, integrity, and unwavering commitment shown every step of the way. Forever thankful I chose them, and truly forever grateful.

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After my accident, I didn't know where to start. Roman Austin made the whole process feel manageable and honestly took a huge weight off my shoulders. The team was kind, responsive, and truly cared about...
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After my accident, I didn't know where to start. Roman Austin made the whole process feel manageable and honestly took a huge weight off my shoulders. The team was kind, responsive, and truly cared about what I was going through. I always felt heard and supported. I'm so thankful I found them and would absolutely recommend them to anyone who needs help.

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Once again Roman & Austin and their team has been a helping hand through hard times after being rear ended by a driver not paying attention. The same day I was set up with community...
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Once again Roman & Austin and their team has been a helping hand through hard times after being rear ended by a driver not paying attention. The same day I was set up with community care to make sure I had to physical and emotional support I needed and they checked on me with updates every week. They got me the full compensation I deserved for my injuries and are the best at what they do.

J.K.

“They held our hand the entire time.” “Rebuilt our lives.“Helped with doctors and wage loss.” “Felt like family.” “Prompt resolutions.”
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Roman Austin Car Accident and Personal Injury Lawyers

1811 N. Belcher Road Suite I-1,
Clearwater, FL 33765
(727) 787-2500

Roman Austin Car Accident and Personal Injury Lawyers

2360 Congress Ave STE 100,
Clearwater, FL 33763
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Roman Austin Car Accident and Personal Injury Lawyers

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Roman Austin Car Accident and Personal Injury Lawyers

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Roman Austin Car Accident and Personal Injury Lawyers

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(727) 335-1373

At Roman Austin Car Accident and Personal Injury Lawyers, we practice across the entire state of Florida. We primarily serve the following localities: Clearwater, Countryside, Dunedin, Palm Harbor, East Lake, Safety Harbor, Oldsmar, Largo, Seminole, Pinellas Park, St. Petersburg, New Port Richey, Port Richey, Hudson, Holiday, Tarpon Springs, Trinity, Westchase, Tampa, Town N Country, Egypt Lake Leto, Citrus Park, Wesley Chapel, Lutz, Starkey Ranch, and all surrounding communities in Pinellas, Pasco, and Hillsborough Counties.

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