What to do after a car accident in Florida

A calm checklist helps you protect people, property, and the ability to make an insurance claim.

Immediate priorities

1. Ensure safety — move off the roadway if it is safe to do so, turn on hazard lights, and call 911 for injuries or major damage.
2. Check for injuries and render aid if you can safely do so. Do not move seriously injured people unless they are in immediate danger.

Collect information

• Exchange names, phone numbers, insurance company and policy numbers, vehicle makes/models, and license plates.
• Get contact information for witnesses and note the location and time.
• Take photos of vehicle damage, license plates, the scene, road signs, and any visible injuries.

Police and reports

Call the police if there are injuries, significant damage, or any dispute about what happened — an official report helps later with claims. Some minor crashes can be documented with an exchange of information, but check local rules about reporting requirements.

Notify your insurer

Report the crash to your insurer promptly. Provide factual details and photos. Avoid admitting fault or speculating about responsibility — stick to observed facts.

Medical follow-up

Seek medical attention for symptoms that appear later (headaches, stiffness, numbness). Early documentation supports medical claims and helps treatment.

Repair and rental cars

Get repair estimates from reputable shops; check whether your policy covers a rental car and the conditions for reimbursement. Save receipts and communications related to repairs and rentals.

When to consider legal help

Consult an attorney if there are serious injuries, contested liability, or if an insurer is refusing to pay a valid claim. Many attorneys offer free initial consultations and work on contingency for injury claims.

Tip: Keep a single folder (digital or physical) with all crash-related documents — photos, medical bills, police reports, and correspondence — to simplify claims and disputes.