What to Do After a Car Accident in Florida: A Step-by-Step Guide
Being involved in a car accident can be a traumatic and confusing experience. Knowing what steps to take immediately following an accident can help ensure your safety, protect your rights, and streamline the claims process. This protects your rights to compensation, which may be substantial if you suffered serious injuries.
At High Stack Law, we explain your next steps after a Florida car accident. Remember, you do not have to face the complex legal system alone.
Steps to Take After a Florida Car Accident
1. Prioritize the Safety of You and Others
The first priority is ensuring the safety of everyone involved. If possible, move your vehicle to a safe location out of traffic. Turn on your hazard lights to alert other drivers. If you cannot move your vehicle, stay inside with your seatbelt fastened until help arrives.
2. Check for Injuries
Check yourself and passengers for injuries. If anyone is injured, call 911 immediately to request medical assistance. Even if injuries seem minor, it is crucial to seek medical evaluation as some injuries may not be immediately apparent.
3. Call the Police
In Florida, you must report any car accident that results in injury, death, or significant property damage to the police. Contact law enforcement to report the accident and request an officer to the scene. The police will create an official accident report, which is vital for insurance claims and potential legal action.
4. Exchange Information
Exchange contact and insurance information with the other drivers involved in the accident. Be sure to collect the following details:
- Full name, address, and contact number
- Driver’s license number
- License plate number
- Insurance company name and policy number
- Make, model, and color of the vehicles involved
5. Gather Evidence of the Scene
Gathering evidence at the accident scene is crucial for the claims process. Use your smartphone to take photos and videos of the following:
- Vehicle damage from multiple angles.
- Location of the accident, including traffic signs, road conditions, and skid marks.
- Any visible injuries.
- Overall scene of the accident from a distance.
Also, note the time, date, weather conditions, and any other relevant details. If there are witnesses, get their contact information and statements if possible.
6. Seek Medical Attention
Even if you do not feel seriously injured, it is important to seek medical attention as soon as possible. Some injuries, such as whiplash or internal injuries, may not show symptoms immediately but can have serious consequences if left untreated.
7. Notify Your Insurance Company
Report the accident to your insurance company promptly and within 14 days of the accident as required by law. Provide them with all the necessary information and documentation you have collected. Be honest and thorough in your account of the incident. Your insurance company will guide you through the claims process and help determine the next steps.
8. Understand Florida’s No-Fault Insurance System
Florida operates under a no-fault insurance system, meaning that your own insurance policy covers your medical expenses and certain economic losses regardless of who caused the accident. This is handled through Personal Injury Protection (PIP) coverage. However, for significant damages and serious injuries, you may pursue compensation beyond PIP limits by filing a claim against the at-fault driver’s insurance.
9. Keep Records
Maintain detailed records of all documents related to the accident, including:
- Police reports
- Medical records and bills
- Repair estimates and receipts
- Correspondence with insurance companies
- Any other related expenses
Having organized records will help support your claim and streamline the process.
10. Hire a Florida Car Accident Attorney
If you experience significant injuries, disputes with the insurance company, or complex liability issues, it is important to consult a personal injury attorney. An experienced Florida personal injury attorney can provide valuable guidance, protect your rights, and help ensure you receive fair compensation.
Contact High Stack Gordon Today
Let the car accident attorneys at High Stack Law give you the help you deserve. Contact us today for a consultation of your case.