The moments after a car accident are chaotic and stressful. What you do next can have a lasting impact on both your recovery and any claim you may bring. Here is a clear, step-by-step guide for South Florida drivers.

1. Check for injuries and get to safety

Your health comes first. Check yourself and your passengers for injuries, and if anyone is hurt, call 911 immediately. If your vehicle is drivable and creating a hazard, move it out of traffic.

2. Call the police

Always report the accident to law enforcement. A police report creates an official record of the crash that is invaluable later. Be honest, but stick to the facts — never admit fault at the scene, even an offhand apology can be used against you.

3. Document everything

If you are physically able, gather evidence:

  • Photos of all vehicles, damage, the roadway, and any visible injuries
  • Names and contact information for all drivers and witnesses
  • Insurance and license-plate information
  • The location, time, and weather conditions

4. Seek medical attention — even if you feel fine

Adrenaline can mask serious injuries, and some conditions (like whiplash or internal injuries) appear hours or days later. Under Florida’s no-fault system, you generally must seek treatment within 14 days to preserve your personal injury protection (PIP) benefits. Prompt medical care protects both your health and your claim.

5. Be careful with the insurance company

The other driver’s insurer may call quickly with a friendly tone and a fast offer. Remember: their goal is to pay as little as possible. Avoid giving recorded statements or accepting any settlement before you understand the full extent of your injuries.

6. Talk to a personal injury attorney

An experienced car accident lawyer can handle the insurance companies, preserve critical evidence, and make sure you are not pressured into accepting less than your claim is worth. At Kutner Personal Injury, consultations are always free and there is no fee unless we win.

This article is for general information only and is not legal advice. Every case is unique — contact a qualified attorney about your specific situation.