10 Steps to Take Immediately After a Car Accident in Florida

If you've never experienced a car accident before, finding yourself in a fender bender can be unsettling. While car accidents are unfortunately common, what we don't want is a reduction in the compensation we deserve. There are numerous steps to take after a car accident, and it's crucial to handle them properly to protect your rights.

Whether you're injured or not, dealing with an accident can be overwhelming. From handling the necessary paperwork to getting medical attention, it can all feel like a daunting task. However, having a plan in place can make things much easier. If you've just had a car accident (and I sincerely hope you haven't), following these steps can help you avoid getting a ticket and make the process smoother, especially if a lawsuit becomes involved.

Step1. Prioritize Safety: Stay Calm and Move Carefully

If the accident scene is massive, you should not panic and leave the scene. Sometimes it is considered a misdemeanor and you may caught in a traffic citation. First, you need to calm down, then step aside from your car.

If your vehicle is drivable and safe, move it to the side of the road or a nearby parking lot to avoid further collisions. But, If your vehicle is disabled or it's not safe to move it, turn on your hazard lights and remain inside with your seatbelt fastened until help arrives

Plus, hazard lights will alert other drivers to the presence of your vehicle on the road, reducing the risk of additional collisions. Drivers are required to do this according to Florida Statute section 316.61.

Step 2. Check for Injuries – Your Health Comes First

You need to look for if anyone is badly injured or not. If you need medical help for you or your passenger, ask for immediate medical attention. Take a moment to assess the situation and determine if there are any immediate safety risks, such as fire, leaking fluids, or unstable vehicle positions. If any significant property is damaged, or in case of any fatal injury you must call 911. 

Remember, your safety and the safety of others should always be the top priority in the aftermath of a car accident. Take the necessary precautions to protect yourself and others, and don't hesitate to call for emergency assistance.

Step 3.  Why You Must Report the Accident to the Police

Florida law requires that you report the accident to law enforcement if any of the following conditions are met:

• Injuries or Fatalities: If anyone involved in the accident suffers injuries or if there is a fatality, you are required to contact the police immediately.

• Property Damage: If the accident results in property damage exceeding $500, a report must be filed. This includes damage to vehicles or other property involved in the accident.

Step 4. How to Effectively Exchange Information with Others

Once you have ensured your safety and are done reporting the accident, it's essential to exchange information with all parties involved in the incident. This step is critical for processing insurance claims and establishing accountability. Here’s how to effectively exchange information:

• Obtain the full names of all drivers and passengers involved in the accident.

• Record the current addresses of all parties. This information can be crucial for any follow-up communications or legal processes.

• Collect from each driver about insurance company name, policy number, and contact information for the insurance company.

• Vehicle Information of each vehicle involved and their model, and year of the vehicle, license plate number, vehicle identification number (VIN), if possible.

• Recording the driver's license numbers of all involved parties. This can help verify identities and provide additional information if needed.

Some tips for Exchanging Information:

• Stay Calm and Polite: Emotions can run high after an accident. Approach the exchange of information with a calmness to avoid tensions.

• Use a Notepad or Smartphone: Write down the information or use your smartphone to take pictures of documents. This ensures you have accurate records.

• Avoid Discussing Fault: While exchanging information, refrain from discussing who is at fault for the accident. This can complicate matters later, especially when dealing with insurance companies.

• Gather Witness Information: If there are any witnesses to the accident, collect their names and contact information as well. This can provide valuable support in case of any potential disputes.

Step 5. Document the Accident Scene for a Stronger Case

A lot of people leave the accident scene too early without thinking about what will happen next. However, Florida maintains strict laws and demands proof against any kind of claim. After a car accident, documenting the scene is crucial for establishing the facts of the incident and supporting any insurance claims or legal actions that may arise.

Capture clear images of all vehicles involved, focusing on the areas of damage from different angles. Photograph any skid marks on the road. These can provide evidence of the speed and braking patterns of the vehicles involved. If you or any passengers have visible injuries, take photos to document them.

Step 6.  Why You Should Never Admit Fault After a Car Accident

Any statements you make can be used against you later. Provide only factual details if asked. Don’t share too much information. Suppose, the other driver is at fault 70% and you’re at 30%, you will only get 70% compensation. Therefore, try to avoid speaking with other driver’s insurance companies. 

By refraining from admitting fault, you protect your legal rights and ensure that you do not compromise your position in any potential claims or lawsuits. Unfortunately, often for numerous reasons personal injury claims got rejected in Florida. Plus, admitting fault can lead to complications in the claims process Insurers may deny your claim or hold you liable for damages, which could result in increased premiums or financial loss.

Step 7. Seek Medical Attention – Even If You Feel Fine

Many injuries, especially those involving the soft tissues, may not manifest symptoms immediately after the accident. Conditions like whiplash, concussions, and internal injuries can take hours or even days to become apparent. Seeking prompt medical attention creates a record that can provide evidence if symptoms arise later.

Under Florida Statutes Section 627.736, you must file your claim within 14 days of the accident to seek personal injury protection (PIP) benefits through your own insurance company. Having a medical record that documents your injuries and links them to the accident is essential for filing insurance claims. Read out to know thoroughly the Importance of Documenting Your Injuries and Treatment here. 

Step 8. Keep Track of Important Documents and Records

Keep copies of any related papers, including medical bills, car repair invoices, police records, and communication with insurance companies. These records are critical for proving your claim and ensuring you receive enough compensation.

Step 9. Notify Your Insurance – Why Timing Matters

• Timeline matters: Most insurance policies demand reporting incidents within a set window. Notifying your insurer as soon as possible ensures that you meet these standards and helps to start the claims procedure.

• Facilitating the claims process: Reporting the car crash promptly helps your insurance carrier to begin investigating what happened. This can result in a rapid settlement of your claim, allowing you to get compensation for damages and injuries sooner.

• Documenting the incident: By reporting your insurance, you establish a documented record of the accident. This paperwork may be necessary for processing your claim and resolving any future conflicts.

Step 10. Consulting An Attorney:  Rober J. Johnson, A respected expert in law and insurance

Personal injury lawyers are experts in personal injury law and understand the tactics insurance companies use to minimize payouts. At Robert J. Johnson, a highly skilled attorney can advocate for your rights, ensuring fair compensation for your injuries, including medical expenses, lost wages, property damage, and pain and suffering. With his 20 years of experience and negotiation skills, he can build a strong, tailored case to maximize your recovery.

Contact us to address your concerns and we will work tirelessly to achieve the best possible result for your case.

Wrapping Up: Be Prepared and Take Control After a Car Accident

Car accidents are inevitable but we can be prepared to handle the situations and take precautions. Following these steps can help protect your health, document the accident, and build a strong case if needed. Prioritize your safety, seek medical attention, and consult legal counsel if you have any questions or concerns.

After this thorough discussion, now you know what you need to do if you are experiencing any of these. And if you have any further queries, just leave a comment below.