What to Do Immediately After a Car Accident in Florida: A Personal Injury Guide
A motor vehicle accident can be traumatic, but the steps you take right after—while the situation is fresh—can significantly impact your health, rights, and any future personal injury claim. Here's a Florida-specific guide to help you stay safe and protected.
1. Prioritize Safety and Call for Help
First and foremost, ensure your safety and that of others. Move to a safe location if possible, turn on your hazard lights, check for injuries, and call 911 immediately if anyone is hurt.
Under Florida law, you must remain at the scene and report the accident if it involves injuries, death, or property damage (typically over $500). If law enforcement doesn't file a report, you’ll need to file a crash report within 10 days.
2. Exchange Information and Document the Scene
Legally, you must exchange your name, address, driver’s license, vehicle registration, and insurance details with other involved drivers
Also, collect witness information, take photos/videos of the scene (including vehicle damage, road conditions, skid marks, and traffic signs), and record vehicle positions before they move.
3. Seek Medical Evaluation—Even If You Feel “Fine”
Florida law allows just 14 days to seek medical care under PIP (Personal Injury Protection). Delaying could weaken the connection between your treatment and the accident.
Adrenaline or shock can mask serious injuries like whiplash, concussion, or internal damage. Documentation is essential for both your health and a potential claim.
4. Know Your Insurance Rights
Florida requires PIP coverage, which covers medical expenses and a portion of lost wages regardless of fault.
Keep all treatment records, invoices, and PIP documentation to support your claim and ensure timely reimbursement.
5. Adhere to the Legal Deadlines
Florida's standard statute of limitations for personal injury claims is two years from the accident date. Missing this deadline can forever bar your legal right to compensation.
6. Contact a Personal Injury Attorney When Needed
You should consult a lawyer if:
Injuries are serious or persist beyond initial treatment.
You encounter claim denials or insurance disputes.
The other driver is uninsured or underinsured.
There's a question of fault or complex circumstances.
An experienced attorney can handle negotiations, collect critical evidence, file legal claims, and fight for full compensation.
Common Mistakes to Avoid After a Car Accident in Florida
While knowing what to do is important, avoiding missteps can be just as critical. Here are the most common mistakes injured drivers make:
Failing to seek medical care immediately: Waiting too long could jeopardize both your health and your insurance coverage under Florida’s 14-day rule.
Admitting fault at the scene: Stick to the facts when speaking with law enforcement and other drivers; liability should be determined later based on evidence.
Not calling the police: Even for seemingly minor accidents, an official report can provide critical documentation for your claim.
Posting about the accident on social media: Insurers and defense attorneys may use your posts against you.
Accepting the first settlement offer: Initial offers often undervalue the true cost of medical treatment and future damages.
Failing to consult an attorney: Without legal advice, you may miss out on significant compensation you are entitled to.
Quick Checklist: What to Do After a Florida Car Accident
Step by Step
Prioritize safety, call 911 if needed
Report the crash to law enforcement
Exchange driver/witness info
Document with photos and notes
Ask for or file an official crash report'
Get prompt medical evaluation
Submit all treatment to your insurer
Note the 2-year deadline for legal claims
Reach out to a personal injury attorney if needed
Final Thoughts
A car accident can disrupt your life—but taking immediate, strategic steps can protect your health and strengthen any personal injury claim. If you've been injured, properly documenting the incident, seeking care quickly, and understanding your rights are powerful ways to safeguard your recovery.
Contact Goebel Law, PLLC today for experienced legal support customized for Florida personal injury laws.