Miles Hickman | August 19, 2025 | Car Accidents
When another driver hits your vehicle and flees the scene, you can seek compensation for your injuries and property damage. After a hit-and-run accident in Clearwater, you file a claim through your own insurance policy, specifically using your Personal Injury Protection (PIP) and Uninsured Motorist (UM) coverage.
A personal injury lawyer handles these complex claims and works to get a fair outcome for you.
Key Takeaways
- You must report the hit-and-run to the Clearwater Police Department.
- Your own Personal Injury Protection (PIP) coverage is the primary source for your medical bills.
- Uninsured Motorist (UM) coverage applies to damages from a fleeing driver.
- Gathering small details about the other car or driver helps investigators locate the driver.
First Steps After a Clearwater Hit-and-Run
If you’ve already received medical attention, you need to take action to protect your rights and start the recovery process. The hours following a crash are a confusing time, but a few specific steps put you in a better position.
1. Report the Hit-and-Run Accident in Clearwater
Contact the Clearwater Police Department to file an official accident report. If an officer didn’t come to the scene, you need to report the incident yourself. An official report creates a legal record of the hit-and-run, which is necessary for your insurance claim.
When you file the report, provide every detail you remember. Small details sometimes make a big difference.
Examples include:
- Vehicle Description: Give the make, model, color, and any identifying features of the other car. These features might be bumper stickers, a roof rack, or visible damage.
- Driver Description: Note the gender, approximate age, hair color, or anything else you saw of the fleeing driver.
- License Plate: Provide the full license plate number if you have it. Even a partial plate number helps investigators.
- Location Details: Tell the police the exact location. Mention the street, nearby intersections, and any landmarks, like being near Sand Key Park or on the Courtney Campbell Causeway.
2. Notify Your Insurance Company
Let your insurance provider know about the hit-and-run as soon as possible. Your policy likely has deadlines for reporting accidents, so don’t wait. When you call, stick to the basic facts of what happened.
Tell them the incident’s date, time, and location, and explain that the other driver fled the scene. You don’t need to give a recorded statement right away. It’s better to speak with an attorney before providing a detailed statement to any insurance representative.
3. Document Everything You Remember
Your memory of the event is a powerful piece of evidence. Write down your own account of the hit-and-run. Documenting the incident while fresh in your mind preserves details you might otherwise forget.
Think about the moments before, during, and after the crash. Where were you driving from? Maybe you were heading home from shopping at Countryside Mall or leaving Clearwater Beach. What was the traffic like on US-19? What did you do immediately after the impact?
These details build a clearer picture of the event.
Finding the At-Fault Driver
Locating the driver who fled is difficult, but not impossible. Law enforcement and other professionals have methods for tracking down hit-and-run perpetrators, and any information you provide aids their efforts.
How Police Investigate a Hit-and-Run
The Clearwater Police Department may launch an investigation based on your report. The information you provide gives them a starting point. They might check traffic footage or security cameras from businesses near the accident on roads like Gulf-to-Bay Boulevard or Drew Street.
Investigators also look for vehicles matching the description you gave. They may alert local auto body shops to look for cars with damage consistent with the accident. Even a partial license plate number is a lead for them to pursue.
Witnesses Offer Powerful Support
A witness who saw the hit-and-run provides an independent account of what happened. Their statement supports your version of events. Witnesses may be able to recall details you missed while dealing with the shock of the collision.
Witnesses may include:
- Other Drivers: Someone else driving nearby may have seen the crash and pulled over.
- Pedestrians: A person walking near the accident might have had a clear view of what happened.
- Local Residents: A neighbor in Harbor Oaks or Island Estates might have witnessed or heard something relevant.
Ask any witnesses for their names and contact information. Their testimony adds great credibility to your claim. They may have also captured a photo or video of the other car.
Using Your Own Insurance After a Hit-and-Run
In Florida, your own auto insurance policy is your first line of defense after a hit-and-run accident. A common myth is that your rates automatically go up if you use your coverage for an accident that wasn’t your fault.
This isn’t always true, especially in a hit-and-run where the other driver is 100% to blame.
Personal Injury Protection (PIP)
Florida is a no-fault state, meaning your Personal Injury Protection (PIP) coverage pays for your initial medical expenses and lost wages, no matter who caused the accident. You must seek initial medical treatment within 14 days of the accident to use your PIP benefits.
PIP covers 80% of your medical bills and 60% of your lost wages up to a limit of $10,000. It pays out quickly, which helps you get the care you need without waiting for a lengthy investigation. It applies whether you were hit as a driver, pedestrian, or bicyclist in Clearwater.
Uninsured Motorist (UM) Coverage
Uninsured Motorist (UM) coverage is designed for situations just like a hit-and-run. When the at-fault driver is unknown or has no insurance, your UM coverage steps in to cover the gap. In Florida, a hit-and-run driver is treated the same as an uninsured driver.
UM coverage pays for damages that the other driver’s insurance would have covered, including:
- Medical Bills: UM covers medical costs that go beyond your PIP limits.
- Lost Wages: This part of your claim compensates you for past and future income you lose due to your injuries.
- Pain and Suffering: UM provides compensation for the physical pain and emotional distress the accident caused.
Using your UM coverage is the primary way to get fair compensation after a Clearwater hit-and-run. Without it, your ability to recover financially is severely limited unless the fleeing driver is found.
Collision Coverage for Vehicle Repairs
To repair your car, you’ll need to use your own Collision coverage. You’ll have to pay your policy’s deductible. Some drivers hesitate to do this, but it is often the only way to get your car fixed after a hit-and-run.
Check your policy to see what your deductible is; your insurance company pays for the repair costs that exceed this amount. If the hit-and-run driver is later found, your insurance company may be able to get your deductible back for you through a process called subrogation.
Why Some Drivers Flee the Scene
People flee the scene of an accident for many reasons. Usually, they’re trying to hide a more serious offense. Understanding these reasons doesn’t excuse their actions, but it shows why these incidents happen.
Examples include:
- No Driver’s License: The driver may be operating the vehicle with a suspended or revoked license. They flee to avoid getting caught for that separate crime.
- No Insurance: Many drivers in Florida are uninsured. They run because they know they can’t pay for the damage they caused.
- DUI: The person might be under the influence of alcohol or drugs. They leave to avoid a DUI charge, which carries severe penalties.
- Outstanding Warrants: The driver might have active warrants for their arrest for other unrelated issues. They don’t want any interaction with the police.
How a Lawyer Helps With a Clearwater Hit-and-Run Claim
A personal injury lawyer actively manages every aspect of your claim so you can focus on your recovery. They take on the complex work of building your case from the ground up. The process often begins with a private investigation to gather evidence and support your story.
Investigating the Accident To Find the Driver
A lawyer may conduct an independent investigation into your hit-and-run. They use resources beyond what you or even the police may access.
They may hire private investigators to look for the vehicle, canvas neighborhoods for witnesses, and track down surveillance footage from traffic cameras or local businesses.
Handling Insurance Companies
Dealing with insurance adjusters is stressful, so your attorney takes over all communication on your behalf. They handle the paperwork, submit the evidence, and protect you from tactics adjusters use to reduce the value of your claim.
This lets you avoid saying something that an insurer could use against you.
Calculating the Full Value of Your Claim
It’s hard to know what a fair settlement looks like by yourself. Your attorney works with medical and financial experts to calculate the total value of your losses. This includes future medical treatments, all lost income, and the non-economic damages related to your pain and suffering.
Pursuing Your Uninsured Motorist (UM) Claim
Filing a UM claim isn’t always simple. Even though it’s your own insurance company, the provider may try to pay out as little as possible. An attorney builds a strong claim and negotiates forcefully for the full compensation available under your policy.
If the insurance company refuses to offer a fair settlement, your lawyer can file a lawsuit and argue your case in court.
FAQ for Hit-and-Run Accidents in Clearwater
What if I Were a Pedestrian or Cyclist in a Clearwater Hit-and-Run?
If a car hits you while you’re walking or cycling in Clearwater, your own PIP and UM coverage still apply, even though you weren’t in your vehicle. If you don’t own a car, you might be able to use the auto insurance policy of a relative you live with.
Do I Still Have a Claim if the Police Don’t Find the Driver?
Yes, the success of your insurance claim doesn’t depend on the police finding the driver who fled. You pursue compensation through your own insurance policy, mainly through your PIP and UM coverage.
The purpose of these coverages is to protect you when the at-fault party is unknown or uninsured.
What if the Other Driver Claims I Was at Fault?
If the driver is found and lies about the accident, the evidence from the scene becomes even more useful. Physical evidence from the vehicles, photos of the location, and witness statements help prove what really happened. A lawyer helps reconstruct the accident to show the other driver’s fault.
What Is the Statute of Limitations for a Hit-and-Run Accident in Clearwater?
In Florida, you generally have two years from the accident to file a lawsuit for personal injuries. For a UM claim, the time limit is often five years, as it’s based on a contract with your insurer. Deadlines are strict, so you must not wait to take action.
Is It a Crime To Leave the Scene of an Accident in Florida?
Yes, leaving the scene of an accident in Florida is a crime. The state handles the criminal case against the driver, while your personal injury lawyer helps you pursue a separate civil claim for your damages.
You can seek compensation whether the driver is convicted or not, but a guilty verdict serves as powerful proof of their fault in your own case.
Roman Austin Car Accident and Personal Injury Lawyers Fights for You
A hit-and-run accident may leave you feeling powerless, but you still have a path forward to hold them accountable, even if they’re never identified. Roman Austin Car Accident and Personal Injury Lawyers can help you use your own insurance to secure the resources for your recovery.
It’s time to take a stand for yourself and your future. For help with your hit-and-run case, call the team at Roman Austin Car Accident and Personal Injury Lawyers at (727) 787-2500 for a free consultation.