Car accidents happen suddenly and can leave you feeling overwhelmed and unsure of what to do next. Florida’s no-fault insurance laws and personal injury rules make it crucial to take the right steps after a crash to protect your legal rights. Whether you’re dealing with injuries, property damage, or an insurance claim, following the right process is key.
Here’s a step-by-step guide on what to do after a car accident in Florida.
1. Ensure Safety and Call 911
Your first priority should be safety. Check for injuries and move to a safe location if possible. Call 911 immediately to report the accident, especially if there are injuries or significant property damage. Florida law requires drivers to report accidents involving injury, death, or property damage over $500.
2. Seek Medical Attention
Even if you feel fine, it's critical to get medical care right away. Florida’s Personal Injury Protection (PIP) insurance requires you to seek treatment within 14 days of the accident to be eligible for benefits. Delaying care may also hurt your injury claim later.
3. Exchange Information
Exchange the following information with the other driver(s):
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Name and contact information
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Driver’s license number
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Vehicle registration and license plate number
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Insurance company and policy number
Do not admit fault or discuss liability at the scene.
4. Document the Accident Scene
If it’s safe, take photos and videos of:
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The damage to all vehicles
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Road conditions and traffic signs
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Skid marks or debris
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Visible injuries
Also, write down what happened while it’s still fresh in your memory and get contact information for any witnesses.
5. File a Police Report
The responding officer will usually file a Florida Traffic Crash Report, but you should confirm this. If law enforcement does not respond, you may be required to file a Driver Report of Traffic Crash (Form HSMV 90011S) with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV).
6. Notify Your Insurance Company
Under Florida’s no-fault law, your own PIP coverage will typically pay for your medical expenses and lost wages up to $10,000, regardless of who caused the accident. However, you must notify your insurer promptly and cooperate with their investigation.
7. Do Not Provide Recorded Statements to the Other Driver’s Insurance
Insurance adjusters may try to get you to give a recorded statement. Politely decline and refer them to your attorney. These statements can be used against you in a claim or lawsuit.
8. Contact a Florida Personal Injury Attorney
If you suffered serious injuries or your damages exceed your PIP benefits, you may be entitled to pursue a claim against the at-fault driver. A skilled Florida car accident lawyer can help you:
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Navigate Florida’s insurance and liability laws
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Investigate the accident
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Negotiate with insurance companies
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Pursue full compensation through settlement or lawsuit
9. Keep Records of Everything
Maintain a file with:
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Medical bills and treatment records
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Proof of lost wages
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Repair estimates and receipts
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Correspondence with insurance companies
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A journal detailing your pain, limitations, and recovery
10. Know the Statute of Limitations
Under Florida Statutes § 95.11, you typically have two years from the date of the accident to file a personal injury lawsuit. Missing this deadline may bar your claim completely.
Final Thoughts
Knowing what to do after a car accident in Florida can make a significant difference in your health, finances, and ability to recover compensation. Take immediate action, seek medical help, and consult a qualified personal injury attorney to ensure your rights are protected every step of the way.
Need Legal Help After a Car Accident in Florida?
Our experienced Florida personal injury lawyer is here to guide you through every step. Contact us today for a free consultation.
Have you or someone you know been injured as a result of a car accident? Contact Florida Personal Injury Lawyer J.P. Gonzalez-Sirgo by dialing his direct number at (786) 272-5841, calling the main office at (305) 461-1095, or Toll Free at 1 (866) 71-CLAIM or email Miami Attorney Gonzalez-Sirgo directly at jp@yourattorneys.com or by text at (305) 929-8935.
