A car accident can be a stressful and overwhelming experience. Knowing what to do immediately after a crash is crucial to protect your health, safety, and legal rights. In Florida, where specific state laws govern accident claims and insurance, understanding the proper steps to take can make a significant difference in your recovery and potential compensation.

“Car crashes are traumatic experiences and can have devastating consequences,” commented Pensacola car crash attorney Rachael Gilmer, with Levin, Papantonio. “Even if an accident seems minor, it is important to be knowledgeable and to take appropriate action following the collision.”

This guide walks you through what to do after a car accident in Florida, ensuring you’re prepared if the unexpected happens. By following these steps, you can safeguard your health, comply with legal requirements, and strengthen your claim if you need to seek compensation.

Step 1: Check for Injuries and Call 911

Your first priority after an accident is safety.

• Check yourself and passengers for injuries. If anyone is hurt, call 911 immediately. Even minor accidents can result in serious injuries like concussions, internal bleeding, or whiplash, which may not be immediately apparent.
• If someone is unconscious or has neck pain, avoid moving them unless there is an immediate danger, such as a fire.
• Florida law requires you to report accidents that result in injuries, fatalities, or property damage over $500. Failing to report a serious accident can result in penalties.
• When the police arrive, they will create an official accident report, which is critical for insurance claims and legal actions.
• If your injuries prevent you from calling 911, ask a bystander to do so on your behalf.

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Step 2: Move to a Safe Location (If Possible)

If the accident is minor and your car is drivable, move to a safe area like the roadside, a nearby parking lot, or a breakdown lane to prevent further collisions. However, do not leave the scene of the accident, as this can result in criminal charges under Florida hit-and-run laws.

• Turn on hazard lights to alert other drivers.
• Use road flares or warning triangles, if available.
• Remain in your vehicle if it is unsafe to exit, such as on a busy highway.
• If your car is undrivable, stay inside with your seatbelt fastened and wait for emergency responders.

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Step 3: Call the Police and File an Accident Report

• In Florida, you must report the accident to law enforcement if there are injuries or significant property damage.
• The responding officer will create a police report, which is crucial for insurance claims and legal proceedings. This report will document the accident details, including weather conditions, witness statements, and a preliminary assessment of fault.
• If no officer arrives, you may need to file a Florida Traffic Crash Report online or at a local police station within ten days.
• Request a copy of the police report for your records and provide it to your attorney if you decide to pursue legal action.
• If the police do not come to the scene, exchange information with the other driver and take your own notes about what happened.

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Step 4: Exchange Information with the Other Driver

Obtain the following details from all parties involved:

• Full name and contact information
• Driver’s license number
• License plate number
• Vehicle make, model, and color
• Insurance company and policy number
• Contact details of any witnesses
• Employer information if the other driver was in a commercial vehicle

What Not to Do: 

🚫 Do not admit fault, even if you think you might be responsible. Stick to the facts and let the official investigation determine liability. 

🚫 Avoid making statements like “I’m sorry,” as this could be used against you in a claim. 

🚫 Do not agree to handle the accident “off the books.” Always report the accident to ensure you are protected.

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Step 5: Document the Scene with Photos and Notes

Gathering strong evidence can protect your claim. Be sure to:

• Take clear, wide-angle photos of all vehicles involved, including license plates and visible damage.
• Capture images of road conditions, skid marks, traffic signs, and weather conditions.
• Photograph any visible injuries you or passengers sustained.
• Record witness statements and get their contact information.
• Write down everything you remember about the accident, including the time, location, and how it happened.
• If possible, obtain dashcam footage from your vehicle or other drivers who may have captured the crash.

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Step 6: Seek Medical Attention Immediately

• Even if you feel fine, see a doctor as soon as possible. Some injuries can take days or weeks to appear.
• Florida follows a 14-day rule, meaning you must seek medical treatment within 14 days of the accident to be eligible for Personal Injury Protection (PIP) benefits.
• Keep all medical records and receipts, as they are critical for your claim.
• Follow your doctor’s treatment plan carefully—missing appointments could hurt your case.
• If you experience delayed symptoms such as headaches, dizziness, or numbness, return to your doctor for a follow-up evaluation.

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Step 7: Notify Your Insurance Company

• Report the accident to your insurance provider as soon as possible.
• Florida is a no-fault state, meaning your PIP insurance will cover your medical expenses and lost wages up to a certain limit, regardless of who caused the accident.
• Avoid giving a recorded statement until you’ve spoken with an attorney, as insurers may try to minimize your claim.
• If the other driver was uninsured, you may need to file a claim under your uninsured/underinsured motorist coverage.

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Step 8: Understand Florida’s Insurance & Legal Considerations

Florida’s No-Fault Insurance System

• Personal Injury Protection (PIP): Covers up to $10,000 in medical expenses and lost wages.
• Property Damage Liability (PDL): Covers damage to another person’s vehicle if you are at fault.
• If your injuries exceed PIP coverage, you may be able to file a lawsuit against the at-fault driver.

“While your Florida insurance may pay for some of your damages, you may be entitled to additional recovery,” said Gilmer. “Speaking with an attorney to discuss your case and understand your rights is an important step you can take to protect and educate yourself.”

When to Contact a Car Accident Lawyer

Consider consulting an attorney if:

• You suffered injuries that require medical treatment.
• The insurance company denies or undervalues your claim.
• The at-fault driver was uninsured or underinsured.
• You need assistance navigating Florida’s complex accident laws.

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Step 9: Avoid Common Mistakes That Could Hurt Your Claim

🚫 Admitting fault at the scene. Let the investigation determine liability.
🚫 Delaying medical treatment. This can weaken your claim.
🚫 Talking to the other driver’s insurance company about your injuries. Their goal is to pay as little as possible.
🚫 Accepting a quick settlement. You may be entitled to more compensation than initially offered.
🚫 Posting about the accident on social media. Insurance adjusters may use your posts against you.
🚫 Not hiring a lawyer when needed. A legal expert can help you maximize your compensation.

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Step 10: Contact a Florida Car Accident Attorney for Help

If you or a loved one has been injured in a Florida car accident, speaking with an experienced car accident attorney can help you maximize your compensation and protect your legal rights.

📞 Levin Papantonio offers free consultations—call us today at 850-435-7000 or fill out our online form to get started.

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Final Thoughts

Being involved in a car accident is overwhelming, but knowing what to do can protect your rights and help you secure the compensation you deserve.

If you need legal guidance after a car accident in Florida, contact Attorney Rachael Gilmer at Levin Papantonio today for a free consultation. Our experienced team is ready to fight for you!📞 Call 850-435-7000 or complete our Free Case Evaluation Form to get started.