Common Mistakes to Avoid After a Car Accident in Florida

Introduction

Car accidents can be overwhelming, and in the moments after a crash, it is easy to make mistakes that can hurt your chances of recovering compensation. Whether dealing with insurance companies or a potential personal injury claim, taking the right steps after an accident is crucial.

This guide explains the most common mistakes people make after a car accident in Florida and how to avoid them.

1. Not Calling the Police

One of the biggest mistakes after a car accident is not reporting it to law enforcement. Even if the accident seems minor, calling the police ensures:

• An official accident report is created, which can help support your claim.
• Officers document key details, including witness statements and the other driver’s insurance information.
• You have legal protection in case the other driver changes their story later.

Under Florida law, accidents must be reported if they involve:

• Injuries or fatalities
• Property damage over $500
• Hit-and-run or DUI involvement

Failing to report an accident could result in legal trouble and difficulty recovering damages from the at-fault driver.

2. Admitting Fault

After an accident, never admit fault—even if you think you may have contributed to the crash. Florida follows a comparative negligence system, meaning your compensation can be reduced if you are found partially at fault.

Instead of apologizing or making statements like “I didn’t see you” or “It was my fault,” stick to the facts:

• Provide your name, contact information, and insurance details.
• Answer police questions briefly but do not admit blame.
• Let investigators determine fault based on evidence.

3. Failing to Seek Medical Attention

Even if you feel fine after a crash, injuries like whiplash, concussions, and internal injuries may not show symptoms immediately.

• Florida’s Personal Injury Protection (PIP) insurance requires accident victims to seek medical treatment within 14 days to qualify for coverage.
• Delaying treatment can hurt your claim, as insurance companies may argue your injuries were not serious or unrelated to the accident.
• Keep all medical records and follow-up instructions to support your claim.

Seeking medical care as soon as possible ensures your injuries are documented and treated properly.

4. Not Gathering Evidence at the Scene

Failing to collect evidence at the accident scene can make it harder to prove fault later. If you are physically able, gather:

• Photos of vehicle damage, skid marks, traffic signals, and road conditions
• Pictures of any visible injuries
• Names and contact information of witnesses
• Dashcam footage, if available

This evidence can be critical in proving negligence and ensuring a fair settlement.

5. Giving a Recorded Statement to the Insurance Company

Insurance adjusters may ask for a recorded statement shortly after the accident. This can be a trap, as they may try to:

• Get you to say something that minimizes your injuries.
• Twist your words to place partial blame on you.
• Use your statement to offer a lower settlement.

You are not required to give a recorded statement. Instead, speak to a personal injury attorney first, who can handle communication with the insurance company on your behalf.

6. Accepting a Quick Settlement Offer

Insurance companies often try to settle claims quickly to minimize their payout. However, early offers:

• May not fully cover medical expenses, lost wages, and future treatment.
• Do not account for long-term pain and suffering.
• Can prevent you from seeking additional compensation later.

Before accepting any settlement, consult an attorney to ensure it reflects the full extent of your damages.

7. Posting About the Accident on Social Media

Anything you post on social media can be used against you by insurance companies or defense attorneys. Avoid:

• Posting photos or updates about your accident.
• Talking about your injuries or recovery.
• Sharing anything that could contradict your claim (such as pictures of physical activity).

Even private posts can be accessed in legal proceedings, so it is best to stay off social media until your case is resolved.

8. Not Following Doctor’s Orders

If you skip medical appointments, ignore treatment recommendations, or stop physical therapy early, the insurance company may argue:

• Your injuries were not serious.
• You contributed to your condition by not following medical advice.
• You do not deserve full compensation.

Following your doctor’s recommendations helps prove the severity of your injuries and strengthens your personal injury case.

9. Not Consulting a Personal Injury Attorney

Many accident victims try to handle claims themselves, but insurance companies are not on your side. Without legal representation, you may:

• Settle for far less than your claim is worth.
• Struggle to prove fault or calculate future damages.
• Miss legal deadlines for filing a lawsuit.

A personal injury attorney can:

• Investigate the accident and gather evidence.
• Handle insurance negotiations to maximize compensation.
• Ensure all medical expenses and future costs are covered.

At Bonderud Law, we fight for the rights of car accident victims. If you have been injured in a crash, contact us today for a free consultation.

Conclusion

Avoiding common mistakes after a car accident can help protect your rights and maximize your compensation. By seeking medical attention, gathering evidence, and consulting an attorney before speaking to insurance companies, you can ensure the best possible outcome for your case.

If you have been injured in a Florida car accident, taking the right steps now can make a significant difference in your recovery and financial future.