What to Do After a Car Accident in Florida: A Step-by-Step Guide

Car accidents happen fast. In the minutes and hours that follow, most people are shaken, confused, and unsure what to do. But the steps you take — and the mistakes you avoid — in this window can have a major impact on any future insurance claim or personal injury lawsuit.

At the Scene

1. Check for injuries and call 911. Your health and safety come first. Even if you think you are fine, call 911 — many injuries do not present symptoms immediately. A police report is also critical documentation for your case.
2. Move to safety if possible. If your vehicle is drivable and you are blocking traffic, Florida law allows you to move to the shoulder or a nearby safe location. Turn on your hazard lights.
3. Exchange information. Get the other driver's name, phone number, insurance company and policy number, driver's license number, and license plate number. Give them your information as well.
4. Document everything. Use your phone to take photos and video of: the damage to all vehicles, the position of the vehicles, skid marks, traffic signs, road conditions, and your injuries. The more documentation you have, the better.
5. Get witness information. If anyone saw the accident, ask for their name and phone number. Witness testimony can be decisive in disputed liability cases.
6. Do not admit fault. Do not say "I'm sorry" or "it was my fault." Even a casual apology can be used against you later. Stick to the facts when speaking with the other driver and with police.

In the Days That Follow

• See a doctor within 14 days. Under Florida's PIP (Personal Injury Protection) law, you must seek medical treatment within 14 days of the accident to be eligible for PIP benefits. Delaying treatment also gives the insurance company grounds to argue your injuries were not caused by the accident.
• Follow your doctor's treatment plan. Gaps in treatment are the most common weapon insurance companies use to devalue your claim. If your doctor says physical therapy three times a week, go three times a week.
• Do not give a recorded statement to the other driver's insurance company. You are not required to do this, and the adjuster's job is to minimize what they pay you. Speak with an attorney first.
• Keep a record of everything. Medical bills, pharmacy receipts, mileage to appointments, missed work days, and a journal of your pain and limitations. These all factor into your compensation.

When to Contact an Attorney

If you have any significant injury — anything beyond a minor bruise — contact a personal injury attorney as soon as possible. Insurance companies have teams of adjusters and lawyers working to minimize your payout from day one. You should have someone in your corner too.

At Warrior Law LLC, personal injury cases are handled on a contingency fee basis — you pay nothing unless we recover compensation for you. Attorney Michael P. Gilbert handles car accident cases across Okaloosa, Escambia, Santa Rosa, and Walton counties.

Contact us for a free consultation or call (850) 757-0505.