Common Mistakes People Make After a Car Accident in Florida

Being involved in a car accident can be a stressful and overwhelming experience. In the chaos that often follows, it’s easy to make decisions that could jeopardize your health, safety, and ability to recover compensation for damages. At Stein Law, we want to help you avoid the common mistakes people make after a car accident in Florida. By staying informed and prepared, you can protect your rights and focus on recovery.
Mistake #1: Not Calling the Police
Florida law requires you to report a car accident if it involves injuries, fatalities, or significant property damage (over $500). Failing to call the police not only violates the law but also leaves you without an official accident report, which is critical for insurance claims and legal actions.
What to Do Instead:
Always call 911 after an accident. An officer will document the scene, take witness statements, and create an official report that serves as key evidence in your case.
Mistake #2: Admitting Fault
In the immediate aftermath of an accident, it’s natural to feel apologetic or try to take responsibility—even if you’re not at fault. However, admitting fault can be used against you in insurance claims or legal proceedings.
What to Do Instead:
Stick to the facts when speaking to the police, other drivers, or witnesses. Avoid statements like, “I’m sorry,” or “It was my fault.” Let the investigation determine liability.
Mistake #3: Failing to Document the Scene
In the chaos following an accident, people often forget to gather evidence. This oversight can make it harder to prove what happened later.
What to Do Instead:
- Take photos or videos of the scene, including vehicle damage, road conditions, traffic signals, and any visible injuries.
- Collect contact information from witnesses and other drivers.
- Record important details like the time, location, and weather conditions.
Mistake #4: Delaying Medical Treatment
Even if you don’t feel injured right away, delaying medical care can harm your health and your claim. Some injuries, like whiplash or internal damage, may not present symptoms immediately but can worsen over time.
What to Do Instead:
Seek medical attention as soon as possible, even if you feel fine. In Florida, Personal Injury Protection (PIP) insurance requires you to seek medical care within 14 days of the accident to qualify for benefits.
Mistake #5: Not Contacting Your Insurance Company Promptly
Failing to report the accident to your insurance company in a timely manner could result in delays or denial of your claim.
What to Do Instead:
Notify your insurance company about the accident as soon as possible. Stick to the facts, and avoid speculating about fault or damages.
Mistake #6: Accepting a Quick Settlement Offer
Insurance companies may pressure you to accept a lowball settlement offer shortly after the accident. While it might seem tempting to resolve the situation quickly, these offers rarely account for the full scope of your damages.
What to Do Instead:
Consult with an experienced personal injury attorney before accepting any settlement. An attorney can evaluate your case and negotiate for fair compensation, including medical expenses, lost wages, and pain and suffering.
Mistake #7: Failing to Hire an Attorney
Many people believe they can handle a car accident claim on their own, but navigating Florida’s no-fault insurance laws and negotiating with insurance companies can be complicated. Without legal representation, you risk leaving money on the table.
What to Do Instead:
Hire an experienced car accident attorney to guide you through the process. At Stein Law, we specialize in helping accident victims protect their rights and secure the compensation they deserve.
Florida’s No-Fault Insurance System: What You Need to Know
Florida operates under a no-fault insurance system, which means your PIP coverage will pay for your medical expenses and lost wages, regardless of who caused the accident. However, if your injuries meet the serious injury threshold—such as permanent disfigurement or significant loss of bodily function—you may be able to file a lawsuit against the at-fault driver for additional damages.
How Stein Law Can Help You
At Stein Law, we understand how confusing and overwhelming the aftermath of a car accident can be. Our experienced attorneys will:
- Investigate your accident to determine liability.
- Handle all communications with insurance companies.
- Gather evidence to build a strong case.
- Negotiate for maximum compensation on your behalf.
We work on a contingency fee basis, so you don’t pay unless we win your case.
Contact Stein Law Today
If you’ve been injured in a car accident in Florida, don’t face the legal and insurance challenges alone. Let Stein Law guide you every step of the way.
Call us at 833-691-5663 or fill out our online form to schedule a FREE consultation today.