Here is the short answer. Get medical care first, call the police so there is an official report, and trade information with the other driver before anyone leaves. Florida Personal Injury Protection pays part of your early medical bills only if you are treated within 14 days of the crash, under section 627.736, Florida Statutes. Then tell your own insurer, photograph the vehicles, the road, and your injuries, and keep every bill and record in one place. Say what happened and nothing more, because the first offer usually arrives before anyone knows what your treatment will cost.
I am Mark Hirsch. I handle car accident cases in South Florida. Most people who call me are fine on the day of the crash and hurting by the third day, which is the exact pattern insurers use to argue the injury came from something else. By the end you will know what to do at the scene, how the police report and your photos get used, what to say when the insurance company calls, and which losses a Florida crash claim can cover.
Key takeaways
- See a doctor inside 14 days. Florida Personal Injury Protection pays early medical bills only if treatment starts in that window.
- Photos of the vehicles, the road, and your injuries are easy on day one and impossible to recreate later.
- Ask the officer how to get a copy of the report. Stick to facts and do not guess at who caused the crash.
- Collect names, license numbers, insurance policy numbers, and plate numbers before anyone drives off.
- Report the crash to your own insurer promptly, but keep the description short until you know how bad the injuries are.
- Most Florida negligence lawsuits from crashes on or after March 24, 2023 have to be filed within two years.
Your health should always come first after a car accident. Even if you feel fine, injuries like concussions, internal bleeding, or soft tissue damage may not show symptoms right away.
- Check Yourself and Others: Assess your condition and check if anyone else involved in the accident is injured. Call 911 if medical assistance is needed.
- Seek Immediate Medical Help: Visit a doctor or hospital as soon as possible for a thorough evaluation. Be sure to mention that your injuries were caused by a car accident.
- Follow Medical Advice: Adhere to your doctor’s treatment plan and keep records of all diagnoses, treatments, and prescriptions. These medical records are crucial evidence in your claim.
Prompt medical attention not only ensures your health but also strengthens your injury claim by creating a clear link between the accident and your injuries.
If you’re physically able, documenting the accident scene is essential for building a strong case. Here’s what to do: Take Photos and Videos: Capture the damage to all vehicles involved, your injuries, skid marks, road conditions, and any visible hazards (e.g., broken traffic lights or debris). Gather Witness Information: Speak to anyone who witnessed the accident and ask for their contact details. Witness statements can provide valuable support for your claim. Note Important Details: Write down the time, location, weather conditions, and any other relevant details about the accident. The more evidence you gather, the easier it will be to establish fault and support your case.
In most cases, it’s a legal requirement to report a car accident to the police, especially if there are injuries or significant property damage. Request a Police Report: When the police arrive, they will document the scene and create an official report. This report can be an important piece of evidence when filing your claim. Provide Accurate Information: Stick to the facts when speaking with the police. Avoid admitting fault or making speculative statements about what caused the accident. Having a police report on file helps establish an official record of the accident, which can be critical in determining liability.
Exchange the following information with the other driver(s) involved in the accident:
- Full name and contact information
- Driver’s license number
- Insurance company name and policy number
- Vehicle make, model, and license plate number
Keep the conversation polite and professional, but avoid discussing fault or making apologies, as these statements could be used against you later.
Report the accident to your insurance company as soon as possible. Most insurers require prompt notification to process claims.
- Provide Basic Information: Share the details of the accident but avoid making detailed statements about fault or the extent of your injuries without consulting an attorney.
- Avoid Settling Quickly: Insurance companies often aim to minimize payouts, so avoid accepting the first settlement offer without reviewing it with an experienced car accident lawyer.
Having a lawyer means nobody pressures you into settling before the claim is understood.
6. Understand Liability in Car Accident Cases
Determining who is at fault in a car accident is critical to pursuing compensation. Some common causes of car accidents include:
- Distracted Driving: Texting, talking on the phone, or other distractions behind the wheel.
- Speeding or Reckless Driving: Excessive speed, aggressive driving, or failure to follow traffic laws.
- Driving Under the Influence: Alcohol or drug impairment can lead to devastating accidents.
- Defective Vehicles or Poor Road Conditions: Sometimes, third parties like manufacturers or municipalities may be held liable.
A skilled attorney can investigate the circumstances of your accident and identify all liable parties to maximize your compensation.
Car accident claims can be complex, and having a knowledgeable attorney on your side can make all the difference. Here’s how a lawyer can help:
- Case Evaluation: An attorney will assess the strength of your case and estimate the value of your claim.
- Evidence Gathering: Lawyers can obtain additional evidence, such as surveillance footage, accident reconstruction reports, and expert testimonies.
- Negotiation: Attorneys handle negotiations with insurance companies to ensure you receive a fair settlement.
- Litigation: If a settlement cannot be reached, your lawyer can represent you in court and fight for your rights.
At Templer & Hirsch, we are committed to guiding you through the legal process and helping you secure the compensation you need to recover.
8. Know What Damages You Can Claim
Car accident victims may be entitled to various forms of compensation, depending on the circumstances of their case. These include:
- Medical Expenses: Coverage for hospital bills, rehabilitation, medications, and future medical needs.
- Lost Wages: Compensation for time missed at work due to your injuries.
- Pain and Suffering: Damages for physical pain, emotional distress, and reduced quality of life.
- Property Damage: Reimbursement for vehicle repairs or replacement.
- Punitive Damages: In cases of gross negligence, you may be entitled to additional compensation.
Understanding the full scope of damages available ensures you don’t leave money on the table when pursuing your claim.
9. Stay Off Social Media
While it may be tempting to share updates about your accident on social media, it’s best to avoid posting anything until your case is resolved. Insurance companies and defense attorneys may use your posts against you to undermine your claim.
Getting injured in a car accident can be a traumatic experience, but you don’t have to face it alone. By following these steps (seeking medical attention, documenting the scene, consulting with a lawyer, and understanding your rights) you can take control of the situation and work toward securing the compensation the law allows.
At Templer & Hirsch, Injury Lawyers, we are dedicated to helping car accident victims navigate the legal process with confidence. If you or a loved one has been injured in a car accident, contact us today for a free consultation. Let us fight for your rights while you focus on recovery.
This is general information, not legal advice; consult an attorney about your situation.