What to Do After a Car Accident in Florida (Step-by-Step Guide)
Being involved in a car accident is one of the most disorienting experiences you can face. In the moments after a crash, you may be in shock, unsure what to say, and overwhelmed by what comes next. The steps you take in those first hours — and days — can make a major difference in your health, safety, and ability to recover the compensation you deserve.
At Collins Law Firm, P.A., we have helped accident victims throughout The Villages, Lake, Sumter, Citrus, and Marion Counties for over 35 years. Here is exactly what to do after a car accident in Florida.
Step 1: Check for Injuries and Call 911
Your safety comes first. Even if you feel okay, you may be in shock — serious injuries like whiplash, traumatic brain injuries, spinal damage, and internal bleeding often have delayed symptoms. Call 911 immediately if anyone is injured or if vehicles are blocking traffic. Florida law requires you to report any accident involving injury, death, or property damage over $500. The police report is one of the most valuable documents in any personal injury claim.
What to Tell the 911 Operator
- Your exact location (street name or nearest intersection)
- Number of vehicles involved
- Whether anyone appears injured
- Any immediate hazards (fuel leaks, blocked lanes)
Step 2: Move to Safety
If your vehicle is drivable and it is safe to do so, pull to the shoulder and turn on your hazard lights. If your car cannot be moved, stay inside with your seatbelt fastened and wait for emergency services. Never stand on a busy roadway.
Step 3: Exchange Information
Collect the following from every driver involved:
- Full name and phone number
- Driver’s license number
- License plate number
- Insurance company name and policy number
- Vehicle make, model, and year
Important: Do not admit fault — even casually. Saying “I’m sorry” can be used against you later.
Step 4: Document the Scene
Use your smartphone to photograph everything before vehicles are moved. Good documentation can make or break your claim. See our full guide on what evidence is needed after a car accident.
- All vehicle damage from multiple angles
- The accident scene layout including skid marks and debris
- Traffic signs, signals, and road conditions
- Your visible injuries
- Witness names and contact information
Step 5: Seek Medical Attention the Same Day
This is critical in Florida. Under the state’s Personal Injury Protection (PIP) rules, you must seek medical treatment within 14 days of the accident to qualify for PIP benefits. Waiting longer can disqualify you from thousands of dollars in coverage. Learn more about how PIP insurance works in Florida.
Step 6: Notify Your Insurance Company
Report the accident to your insurer promptly. However, before giving any recorded statement — even to your own insurance company — speak with an attorney. Read our guide on whether you should talk to insurance after an accident. Insurance adjusters are trained to minimize payouts, and what you say can reduce your settlement.
Step 7: Keep a Detailed Record
From the moment of the accident onward, document everything:
- All medical appointments, diagnoses, and treatments
- Prescriptions and medical equipment costs
- Days of work missed and lost income
- All correspondence with insurance companies
- How injuries affect your daily life (a personal injury journal helps)
Step 8: Contact a Car Accident Lawyer in Florida
Florida’s car accident laws are complex — from no-fault PIP rules to comparative fault standards — and insurance companies have entire legal teams working to minimize your payout. You do not have to face this alone.
An experienced car accident lawyer in Florida can investigate your accident, gather evidence, handle all insurance communications, and fight for the full compensation you deserve. At Collins Law Firm, P.A., there is no fee unless we recover money for you.
Want to know what your case might be worth? Read our guide on average car accident settlements in Florida.
Florida Car Accident Laws You Need to Know
Florida Is a No-Fault State
All Florida drivers must carry at least $10,000 in Personal Injury Protection (PIP) insurance. This covers 80% of medical bills and 60% of lost wages up to the policy limit, regardless of who caused the accident. For serious injuries, you may be able to step outside the no-fault system and sue the at-fault driver.
Statute of Limitations: 2 Years
In Florida, you generally have two years from the accident date to file a personal injury lawsuit. Missing this deadline means losing your right to compensation permanently — regardless of how clear-cut your case is.
Comparative Fault
Florida uses a “modified comparative fault” rule. If you are more than 50% at fault, you may be barred from recovery. If you are partially at fault but under 50%, your compensation is reduced by your percentage of blame. Learn how partial fault affects your Florida car accident claim.
Ready to Talk to an Attorney?
If you or a loved one has been injured in a car accident in The Villages, Ocala, Lady Lake, or anywhere in Central Florida, Collins Law Firm, P.A. is ready to help — 24/7.
📞 352-751-5674 — Call or text any time.
Attorney Jimmy Collins will travel to your home or hospital. Free, confidential consultation. No fee unless we win.
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Need a personal injury attorney in Florida? Collins Law Firm handles all types of injury claims with 35+ years of experience.
Frequently Asked Questions
How long do I have to file a car accident claim in Florida?
Generally two years from the date of the accident under Florida’s statute of limitations. Some exceptions exist, but waiting risks losing your right to compensation entirely. Contact an attorney as soon as possible after your accident.
What if the other driver doesn’t have insurance?
Florida law requires uninsured/underinsured motorist (UM/UIM) coverage unless you waive it in writing. If the at-fault driver is uninsured, your own UM coverage may pay your damages. An attorney can help you navigate this situation.
Do I need a lawyer for a minor car accident in Florida?
Even “minor” accidents can result in significant injuries that appear days later. A lawyer can protect your rights, ensure you meet the 14-day PIP deadline, and prevent you from accepting a lowball settlement before you know the full extent of your injuries.
Can I still recover compensation if I was partly at fault?
Yes, as long as you were not more than 50% at fault. Florida’s comparative fault rules allow you to recover compensation reduced by your percentage of responsibility. Learn more about partial fault claims in Florida.
What does a car accident lawyer cost in Florida?
Collins Law Firm, P.A. works on a contingency fee basis — you pay nothing upfront and no attorney fees unless we win your case. There is no financial risk to speaking with us.