What Should I Do After an Accident or Injury in Florida?

Accidents and injuries can catch anyone off guard, leaving you in shock and uncertainty. At Zweben Law Group, we recognize this intimidating experience and are committed to assisting you through these challenging times. The key is prioritizing your safety and health first and then focusing on securing your legal and financial interests effectively.

Essential Steps to Follow

  1. Immediate Actions After an Accident in Florida: In the moments following an accident in Florida, your actions can significantly impact your safety and legal rights. Firstly, ensure everyone’s safety; if anyone is injured, call 911 immediately. It’s crucial to remain at the scene and avoid moving the vehicles unless they’re causing a significant obstruction. If it’s safe, take photos of the accident scene, cars, and any injuries. Exchange information with the other parties involved, including names, contact details, vehicle information, and insurance details. Remember, discussing fault at the scene isn’t advisable.
  2. Report the Accident: Florida law requires you to report accidents to the authorities. If the crash resulted in injuries, fatalities, or significant property damage, it’s essential to notify the police. A police report can be invaluable in documenting the facts of the accident and may be crucial for insurance claims and legal proceedings. 
  3. Medical Attention: Even if you feel fine after an accident, seeking medical attention is wise. Some injuries, like whiplash or internal trauma, may not be immediately apparent. A timely medical evaluation ensures your well-being and provides essential documentation should you need to file an injury claim. In Florida, it’s important to remember that seeking medical care within 14 days of the accident is necessary to utilize Personal Injury Protection (PIP) insurance benefits.
  4. Understanding Insurance Claims: Florida operates under a no-fault insurance system, meaning your insurance company will cover your medical expenses and lost wages up to your policy’s limit, regardless of who caused the accident. It’s crucial to notify your insurance provider about the accident immediately. 
  5. Legal Considerations and Time Limits in Florida: The statute of limitations for personal injury claims in Florida is typically two years from the date of the accident. This timeframe is crucial for your right to seek compensation. 
  6. Documenting Everything: Maintaining a detailed record of everything related to the accident can be immensely beneficial. This includes keeping copies of medical records, receipts for any expenses incurred (like medical bills and repair costs), and a log of any lost wages due to the accident. 

Florida’s Personal Injury Protection (PIP)

Understanding Florida’s Personal Injury Protection (PIP) requires delving into how this type of auto insurance works within the state’s no-fault insurance system.

  1. What is Personal Injury Protection (PIP)?: Personal Injury Protection, commonly called PIP, is a type of auto insurance coverage mandatory for all vehicle owners registered in Florida. This coverage is a critical component of Florida’s no-fault insurance system. PIP is designed to cover medical expenses, lost wages, and other losses, regardless of who was at fault in an auto accident.
  2. Coverage Under PIP: PIP insurance typically covers:
    1. Medical Expenses: This includes medical treatment, surgery, X-rays, dental and rehabilitative services, ambulance rides, hospital stays, and necessary medication.
    2. Lost Wages: If the accident leads to time off work, PIP can help compensate for lost income.
    3. Death Benefits: In the unfortunate event of a fatality, PIP provides a death benefit.
    4. Substitute Services: If injuries prevent you from performing household tasks, PIP can cover expenses for services like childcare or housecleaning.
  3. How PIP Works in Florida’s No-Fault System: Florida’s no-fault system means that after an auto accident, each party’s own PIP insurance covers their medical expenses and lost wages, regardless of who caused the accident. 
  4. Seeking Treatment and Time Restrictions: Under Florida law, you must seek medical attention within 14 days of the accident to benefit from PIP coverage. Failure to do so may result in the denial of PIP benefits. 
  5. Medical Payments Coverage: When choosing coverages, it’s crucial to consider your circumstances, including your health insurance coverage and driving habits. Some individuals opt for higher limits of medical coverage on their policy though Medical Payments coverage. This coverage is over and above the PIP coverage for medical expenses.  

Contact Us, Zweben Law Group

The aftermath of an accident or injury in Florida can be overwhelming. Remember that you don’t have to go through it alone. At Zweben Law Group, we’re dedicated to helping you understand your rights and options every step of the way. If you’ve been involved in an accident in Florida, contact us at 772-223-5454  or online for a free consultation. Our experienced team is ready to provide the support and guidance you need to face this challenging time.