Car accidents happen in an instant, but the decisions you make afterward can impact your recovery for years. Florida’s unique no-fault insurance system creates specific requirements that accident victims must navigate carefully. Missing key deadlines or making common mistakes can jeopardize your ability to recover fair compensation.
Here are the ten essential steps every Florida driver should take after an accident.
1. Prioritize Safety and Check for Injuries
Your first priority is safety. Check yourself and passengers for injuries, even if you feel fine. Adrenaline can mask pain, and serious injuries like whiplash may not show symptoms immediately. If anyone is hurt, stay still and call for medical help.
2. Call 911 and Get an Official Police Report
Florida law requires an official crash report for accidents involving injuries or property damage exceeding $500. Even in minor accidents, calling 911 ensures emergency services respond and creates an official record that becomes crucial evidence for insurance claims.
3. Move to Safety When Possible
If vehicles are drivable and safe to move, get them out of traffic. Turn on hazard lights and use flares if available. This prevents additional accidents while preserving the scene for documentation.
4. Exchange Information with All Parties
Collect names, phone numbers, addresses, insurance details, and license plate numbers from all drivers involved. Be polite but stick to facts. Never admit fault or apologize, even if you think you contributed to the accident. These statements can be used against you later.
5. Document Everything Thoroughly
Take comprehensive photos of all vehicle damage, license plates, the accident scene, and any visible injuries. Get contact information from witnesses, as their independent accounts can strengthen your claim. Write down observations about weather conditions and what happened.
6. Seek Medical Attention Within 14 Days
This step is critical. Florida’s Personal Injury Protection (PIP) law requires you to seek medical care within 14 days of the accident to qualify for benefits. Many injuries don’t appear immediately, and delaying treatment gives insurance companies grounds to deny your claim.
7. Report to Your Insurance Company Promptly
Most Florida insurance policies require “prompt” reporting, typically within 24-72 hours. Provide basic facts about the accident, but avoid giving recorded statements or admitting fault. Late reporting can result in claim denial.
8. Understand Florida’s No-Fault System
Florida requires drivers to carry PIP coverage, which pays 80% of medical expenses and 60% of lost wages up to $10,000, regardless of fault. However, if your injuries meet certain “serious injury” thresholds, you may pursue additional compensation from the at-fault driver.
9. Avoid Common Mistakes
Don’t delay medical care, provide inconsistent information, or speak to the other party’s insurance company without legal counsel. Avoid accepting early settlement offers, as they often undervalue claims before the full extent of injuries is known.
10. Consult a Qualified Personal Injury Attorney
An experienced Florida personal injury attorney can protect your rights, handle insurance negotiations, and ensure you meet all legal deadlines. Most work is on contingency, meaning no upfront costs. Florida’s statute of limitations for car accident claims is just two years.
Protecting Your Future
The aftermath of a car accident can feel overwhelming, but taking these steps protects your health and legal rights. Don’t navigate this complex process alone.
For experienced guidance through your car accident claim, contact the personal injury attorneys at Weldon & Rothman, PL, for a free consultation.