What Steps Should I Take After a Car Accident in Florida?

Introduction: Steps that you should take after a car accident in Florida

No one plans to be involved in a car accident, but with over 400,000 accidents occurring annually in Florida, the odds are higher than we would like to admit. The sudden collision, the heart-pounding shock, and the whirlwind of thoughts and confusion – it’s a situation nobody wants to face. But when it happens, it’s imperative to stay calm and know what to do next. This comprehensive guide by Bengal Law: Florida Car Accident Lawyers and Personal Injury Attorneys PLLC is intended to help navigate the aftermath of a car accident in Florida. With years of experience guiding people through this tumultuous time, we know exactly what steps to follow to protect your interests and ensure the best possible outcome.

Understanding Florida Car Accident Laws

Florida’s car accident laws follow a unique no-fault insurance system. Unlike in many other states, no matter who is responsible for the accident, your own insurance company is required to cover your medical expenses and lost wages up to the limit of your personal injury protection (PIP) coverage.

Florida law requires that all drivers carry a minimum of $10,000 in personal injury protection (PIP) and another $10,000 in property damage liability (PDL). PIP covers 80% of all necessary and reasonable medical expenses, 60% of lost wages, and $5,000 in death benefits resulting from the accident, regardless of who was at fault.

However, Florida’s no-fault law has its limits. If you suffer a serious injury that meets the state’s definition of a “permanent” injury, or if your medical expenses and other economic losses exceed the limits of your PIP coverage, you can step outside of the no-fault system and file a lawsuit against the at-fault driver.

Besides, all accidents in Florida causing injury, death, or property damage over $500 must be reported to the police without delay. If you fail to report such an accident, you could face non-criminal traffic infractions or even criminal charges.

Steps to Take Immediately After a Car Accident

The immediate aftermath of a car accident can be a blur of confusion and panic. However, the first concern should always be safety. Check for injuries to yourself and any passengers. If anyone is seriously hurt, call 911 right away. Even if the injuries seem minor, it’s essential to seek medical attention as soon as possible as some injuries may not show symptoms immediately.

If it’s safe, move your car out of the flow of traffic to avoid causing any further accidents. If it’s not possible to move your car, turn on your hazard lights to alert other drivers.

Contact the Authorities

In Florida, it’s not just good practice to report a car accident to the police – it’s required by law if the accident resulted in injuries or significant property damage. Police officers can secure the scene, assist with exchanging information, and provide emergency medical care if needed. They’ll also create an accident report which will be crucial when you file your insurance claim.

While waiting for the police to arrive, it’s important to gather as much information as possible. Exchange information with the other driver, including their name, address, phone number, driver’s license number, and insurance details. If there are any witnesses, ask for their contact details too. Use your phone to take pictures of the scene, including the position of the cars, the damage to the vehicles, any skid marks or debris on the road, and any visible injuries.

Navigating the Post-Accident Procedures

After an accident, it’s imperative to seek medical attention promptly. Injuries like whiplash or concussions often have delayed symptoms due to high adrenaline levels that can mask pain. A comprehensive medical examination will help identify any non-obvious injuries. This step is vital not just for your health, but also for documenting injuries which may be relevant for insurance or legal purposes. Remember, prioritizing your health is crucial, and early detection of injuries can significantly impact your recovery process.

Report the Accident to Your Insurance Company

Reporting the accident to your insurance company is a legal requirement and a stipulation of your insurance policy. Prompt reporting is essential. During this process, provide accurate and honest information about the accident. However, refrain from making assumptions about fault or giving detailed statements before consulting with a lawyer. Your lawyer can guide you on what information should be disclosed to protect your interests. Insurance companies will use the information you provide in their claims process, so it’s important to be clear and precise.

Document the Incident

Effective documentation is key after a car accident. Start by collecting and organizing all relevant information. This includes the police report, medical records and bills, photographs of the accident scene and any injuries, repair bills for any damages, and contact information of witnesses. Maintain correspondence records with insurance companies. Additionally, keeping a personal journal documenting how the accident and subsequent injuries have affected your daily life can be invaluable. This documentation is not only helpful for insurance claims but can also be crucial if legal action becomes necessary. It provides a comprehensive and chronological record of events and impacts, which can substantiate your claims.

When to Involve a Personal Injury Attorney

In the confusing and often stressful period following a car accident, understanding when to engage a personal injury attorney is crucial. Such legal expertise becomes especially pertinent under certain circumstances. If you have sustained significant injuries, the issue of fault is contentious, or you encounter difficulties with insurance claims, a Deltona personal injury attorney‘s involvement becomes essential.

Serious injuries often mean complex medical treatments and significant financial implications. A personal injury attorney can help in accurately assessing the full extent of your damages and in ensuring that you receive adequate compensation to cover medical bills, lost wages, and other related costs. In cases where the fault for the accident is unclear or disputed, an attorney can help in investigating the incident, gathering necessary evidence, and presenting your case effectively.

Moreover, dealing with insurance companies can be challenging. If you feel that the insurance company is not offering a fair settlement or is disregarding your legitimate claims, a personal injury attorney can be a powerful advocate. They can negotiate on your behalf, ensuring that your rights are protected and that you are not undervalued or unfairly treated.


Enduring a car accident is undoubtedly a traumatic and stressful experience, impacting both your physical well-being and emotional state. The aftermath can be overwhelming, encompassing not only physical recovery but also navigating through complex legal and insurance procedures. However, being informed about the right steps to take post-accident can greatly alleviate these challenges, aiding in a smoother and more efficient recovery process.

At Bengal Law: Florida Car Accident Lawyers and Personal Injury Attorneys PLLC, we understand the intricacies and emotional toll of such incidents. We are committed to providing comprehensive support and guidance through these difficult times. Our expertise in handling the legal nuances of car accidents and personal injury claims ensures that you are not alone in this journey. We aim to assist in safeguarding your legal rights and ensuring that you receive the necessary support, be it medical, financial, or emotional.

Remember, while this guide offers a roadmap for navigating post-accident procedures, each situation is unique. Our dedicated team is ready to provide personalized advice and representation, tailored to the specifics of your case. While we hope that you never find yourself in need of this guide, know that if you do, Bengal Law is here to offer its expertise and support, helping you move forward with confidence and peace of mind.


What is the time limit for filing a lawsuit after a car accident in Florida?

In Florida, you have two years from the date of the accident to file a lawsuit for personal injury and two years if it involves wrongful death. However, it’s best to start the process as soon as possible while the evidence is fresh.

What if the other driver doesn’t have insurance?

Although Florida law requires all drivers to have PIP coverage, unfortunately, some drivers are uninsured or underinsured. If you’re hit by one of these drivers, your own Uninsured Motorist (UM) coverage, if you have it, can step in to cover your damages. If your injuries are severe, consider contacting a personal injury lawyer to discuss your options.

Can I get a copy of the accident report?

Yes, you can. In Florida, accident reports become public record 60 days after the accident. Before that, they’re only available to the people involved in the accident and their legal and insurance representatives. You can obtain a copy from the local law enforcement agency that responded to the accident or from the Florida Highway Patrol.

How does shared responsibility affect my compensation in Florida?

In Florida, your compensation can be adjusted based on your degree of fault in the accident. For example, if you’re found to be 30% at fault and your damages are $100,000, you can still recover $70,000.

Should I sign any documents from the insurance company?

Before signing anything from the insurance company, it’s recommended to consult with a personal injury attorney. It’s not uncommon for insurance companies to offer a quick, low settlement or ask you to sign a release. Signing could mean giving up your right to sue later if you discover additional injuries or damages.

At Bengal Law: Florida Car Accident Lawyers and Personal Injury Attorneys PLLC, our primary mission is to ensure that you’re prepared for the unexpected. By following this guide, you’ll know exactly what steps to take after a car accident in Florida. We’re here to help you every step of the way.

We want to hear your story

If you have been injured in an accident in Florida, we want to hear your story. We want to know what you want to achieve through legal action. We want to know what you need to feel comfortable and secure as you rebuild the future you have always envisioned for your family. Together, we’ll identify a legal strategy that not only holds those responsible for your injuries accountable, but also helps you make a full financial recovery.

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Start today by texting or calling our office at (407) 815-3000 to schedule a consultation with one of our personal injury attorneys, or complete our contact form to start your journey of getting help. We look forward to serving you.

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