A car accident can happen in seconds—but what you do afterward can impact your health, your finances, and your ability to recover damages.
Florida’s no-fault insurance laws add another layer of complexity, making it important to understand your rights and responsibilities from the start.
Here’s what you should know.
1. Check for Injuries and Call 911
Your priority is safety. Check yourself and others for injuries and call emergency services immediately if anyone is hurt.
Even if injuries seem minor, it’s important to have a police report documenting the accident.
2. Seek Medical Attention Right Away
Under Florida law, you must seek medical treatment within 14 days of an accident to qualify for Personal Injury Protection (PIP) benefits.
Some injuries—like concussions or soft tissue damage—may not be immediately noticeable.
Getting evaluated early protects both your health and your claim.
3. Document the Scene
If it’s safe to do so, gather as much information as possible:
- Photos of vehicle damage and the accident scene
- Contact and insurance information from all parties
- Names and contact information of any witnesses
This evidence can be critical later.
4. Be Careful What You Say
Avoid admitting fault or speculating about what happened. Even a simple apology may be used against you later.
Stick to the facts when speaking with police and others at the scene.
5. Notify Your Insurance Company
Florida is a no-fault state, which means your own insurance typically covers your initial medical expenses through PIP—regardless of who caused the accident.
Report the accident promptly, but avoid giving recorded statements without understanding your rights.
6. Understand Your Coverage
Many drivers don’t realize that:
- PIP coverage is limited (typically up to $10,000)
- Not all damages are covered
- Uninsured/underinsured drivers are common in Florida
Additional coverage, like UM (Uninsured Motorist), can make a significant difference in your recovery.
7. Know When to Speak with an Attorney
If your injuries are serious or your medical expenses exceed PIP limits, you may have the right to pursue a claim against the at-fault party.
An experienced attorney can help you:
- Evaluate your case
- Navigate insurance complexities
- Pursue full compensation
Final Thoughts
The moments after an accident can feel overwhelming—but taking the right steps early can protect your health and your future.
If you have questions about your rights after a car accident, the team at Ginnis, Krathen & Zelnick is here to help.