This guide explains exactly what to do after a car accident in Florida, including medical steps, insurance requirements, legal deadlines, and common mistakes to avoid.
Being involved in a car accident can be overwhelming, especially in the moments immediately afterward. Knowing what to do, and what not to do, can protect your health, your rights, and your ability to recover compensation. If you’ve been in a car accident in Florida, follow the steps below to safeguard yourself and your claim.
What should you do after a car accident in Florida? After a car accident, check for injuries and call 911, move to safety without leaving the scene, report the crash to police, document the accident, exchange information without discussing fault, seek medical care within 14 days, notify your insurer carefully, avoid social media, and speak with a Florida car accident lawyer.
Need help now? Talk to a Florida car accident lawyer to protect your claim.
Just Had a Car Accident? Take These Steps Immediately
The actions you take in the minutes and days following a crash can significantly impact your physical recovery and any insurance or legal claim. Use this step-by-step guide to avoid common mistakes and protect your future.
Step-by-Step: What To Do After a Car Accident
1. Check for Injuries and Call 911
Check yourself and others for injuries right away. If anyone is injured, unconscious, or complaining of pain, call 911 immediately. In Florida, law enforcement should be contacted for accidents involving injuries, fatalities, or significant property damage.
Avoid speculating about fault when speaking to emergency responders. Stick to the facts.
2. Get to Safety Without Leaving the Scene
If your vehicle is operable and it’s safe to do so, move it out of traffic to prevent further collisions. Turn on hazard lights and remain at the scene until law enforcement arrives. Leaving too soon could be considered a hit-and-run under Florida law.
3. Report the Accident to Law Enforcement
A police report provides an official record of the crash and is often critical in insurance and injury claims. Officers will document the scene, collect statements, and issue a crash report number you can reference later.
4. Document the Accident Scene Thoroughly
Use your phone to capture:
- Vehicle damage from multiple angles
- Road conditions, skid marks, and traffic signs
- Visible injuries
- License plates and vehicle positions
If there are witnesses, ask for their names and contact information. This evidence can be invaluable if liability is disputed.
5. Exchange Information – But Avoid Discussing Fault
Exchange names, contact details, driver’s license numbers, insurance information, and vehicle details with the other driver. Do not apologize, admit fault, or speculate about what caused the crash. Even casual comments can be used against you later.
6. Seek Medical Treatment — Even If You Feel Fine
Some injuries, including concussions, whiplash, and internal trauma, may not appear immediately. Florida’s Personal Injury Protection (PIP) insurance generally requires medical treatment within 14 days of the accident to access benefits.
Delaying care can harm both your health and your claim.
7. Notify Your Insurance Company Carefully
Report the accident to your insurer promptly, but be cautious. You are not required to give a recorded statement immediately, and you should never guess or speculate when answering questions.
If another driver’s insurer contacts you, consider speaking with a lawyer first.
8. Avoid Social Media and Insurance Traps
Do not post photos, comments, or updates about the accident or your injuries on social media. Insurance companies routinely monitor online activity and may use posts to challenge your claim.
9. Speak With a Florida Car Accident Lawyer
An experienced car accident lawyer can:
- Handle insurance communications
- Preserve evidence
- Evaluate the full value of your claim
- Protect you from costly mistakes
Early legal guidance often makes a significant difference in the outcome of a case.
Car Accident FAQs (Florida-Specific)
What should I do after a minor car accident in Florida?
Even minor accidents should be documented. Exchange information, take photos, and seek medical attention if you feel any discomfort. Small crashes can still cause serious injuries.
Will my insurance rates increase after an accident?
Rate increases depend on fault, claim history, and policy terms. Not all accidents result in higher premiums, especially if you were not at fault.
What if the car accident was my fault?
You may still be entitled to PIP benefits and legal protections. Speaking with a lawyer can help you understand your options and avoid unnecessary liability exposure.
What if the other driver was at fault?
You may be able to pursue compensation beyond PIP, including medical expenses, lost wages, and pain and suffering, depending on injury severity.
What happens after I file an insurance claim?
The insurer will investigate the accident, review medical records, and assess damages. Claims can be delayed or denied without proper documentation and advocacy.
How long do I have to file a car accident claim in Florida?
Florida law sets strict deadlines (statutes of limitations) for injury claims. Waiting too long can permanently bar recovery, even if your injuries are serious.
Do I need a lawyer after a car accident in Florida?
You don’t always need a lawyer, but it’s a good idea to get legal advice if you were injured, needed medical treatment, missed work, the other driver denies fault, or the insurance company pressures you for a recorded statement or quick settlement. A personal injury lawyer in Florida can protect you from common insurance tactics, preserve evidence, and evaluate whether you may qualify to pursue compensation beyond PIP.
If You Need Help After a Car Accident
If you or a loved one were injured in a car accident, speaking with a knowledgeable attorney can help you understand your rights and next steps. A proper legal review can make the difference between a denied claim and meaningful compensation.
