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Car Accident /
October 30, 2025

What To Do After a Car Accident in Florida

Pitkin Law Group
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The moments right after a car accident in Florida can shape the entire course of your recovery and your claim. Every step you take, or don’t take, can influence your ability to get the compensation you deserve.

By bringing an experienced car accident lawyer on board early, you set yourself up to focus on healing while ensuring that nothing unintentionally affects your claim. From handling insurance calls to preserving evidence and guiding your next moves, an attorney takes on much of the heavy lifting, allowing you to focus on getting back on your feet. 

Reach out to our car accident attorneys at Pitkin Law today for a free consultation.

Overview of Florida Car Accident Laws (2025 Update)

Florida car accident laws are meant to make sure you get medical care quickly while still giving you the chance to pursue compensation if your injuries are serious. Central to Florida’s system is no-fault insurance, which requires every driver to carry Personal Injury Protection (PIP) coverage. PIP helps pay for medical bills and lost wages, no matter who caused the accident, as long as you get treatment promptly, usually within 14 days. This way, most people can get care quickly without waiting to figure out who’s at fault.

For more serious injuries, though, the no-fault system has its limits. If you experience permanent disability, major trauma, or significant scarring, you can step outside the no-fault rules and file a claim against the driver responsible.

Shortened Statute of Limitations

Personal injury lawsuits now must be filed within two years of the accident, a reduction from the previous four-year window. This tighter deadline means claimants must act quickly to protect their legal rights. Failing to file within this period usually results in losing the right to seek compensation. It’s essential to consult a knowledgeable attorney as soon as possible to meet all deadlines and preserve your case.

Stricter Filing Deadlines After Claim Denials

If your insurance claim is denied, you now have only 30 days to file a lawsuit. This accelerated timeline makes it critical to respond quickly to any claim denials. Waiting too long can forfeit your opportunity to challenge the denial in court. Early legal guidance can help you navigate this process and meet the strict filing requirements.

Modified Comparative Negligence Rule

Under the new rule, if you are found to be 51% or more at fault for an accident, you cannot recover any damages. This “modified comparative negligence” standard shifts responsibility heavily toward the injured party once fault passes the halfway mark. It is crucial to understand how fault is determined and how it will affect your ability to recover compensation. Working with experienced counsel can help build a case to reduce or refute comparative fault.

Common Causes of Car Accidents in Florida

Florida’s roads are busy year-round, and unfortunately, accidents are all too common. Some of the leading causes we see in Naples include:

No matter the cause, victims deserve accountability and support as they put their lives back together.

What to Do Immediately After a Car Accident

What to Do After a Minor Accident

Minor accidents usually involve small bumps or fender benders with limited vehicle damage and no obvious injuries. These crashes often happen at low speeds and pose little immediate danger. Even if injuries are not immediately apparent, it’s important to exchange insurance and contact information, take photos of the damage and scene, and file a police report if required. You should still seek medical attention, as some symptoms might not appear immediately. Lastly, document everything carefully and start your insurance claim promptly to protect your rights.

What to Do After a Major Accident

Major accidents are characterized by severe vehicle damage, serious injuries, or life-threatening conditions. When faced with a major accident, your focus must immediately shift to safety and medical care. Call 911 without delay, avoid moving injured persons, and follow emergency responder instructions. After the immediate crisis, ensure accurate documentation through police reports, witness information, and photographs. Reporting the accident to your insurance company quickly is crucial because deadlines for claims can be strict.

Understanding Fault and Liability

Fault and liability are central concepts in any car accident claim. Fault refers to who is legally responsible for causing the accident, while liability determines who is financially responsible for the resulting injuries and damages. 

Even if you believe the accident was your fault, it’s important to be careful about what you say and do. Admitting blame at the scene or in early communications with insurance companies can unintentionally affect your claim. 

This is where having an experienced car accident attorney becomes essential. At Pitkin Law, we can guide you on the best steps to protect your rights, while gathering evidence and communicating with insurers on your behalf.

If the Accident Was Your Fault

Being at fault in a Florida car accident doesn’t mean you lose control over your claim or recovery. Florida follows a modified comparative negligence rule, which means you can still recover damages as long as you are 50% or less at fault. 

However, your compensation will be reduced by your percentage of responsibility. If you are found to be 51% or more at fault, you are barred from recovering any damages. It’s important to stay calm, avoid admitting fault at the scene, and follow proper procedures. Consulting an experienced attorney early will help protect your rights, navigate insurance claims, and ensure you don’t unintentionally jeopardize your case.

If the Accident Was Not Your Fault

When another driver is responsible for your car accident, your focus should be on documenting evidence and understanding your rights under Florida law. The modified comparative negligence law still applies, meaning the other driver’s fault percentage will impact damages. 

Acting quickly and strategically allows you to avoid delays or disputes with insurance companies. An attorney can guide you through the claims process, help calculate fault, and advocate for fair compensation, especially in serious injury cases or when fault is contested.

What Not to Do After a Car Accident

Knowing what not to do after a car accident is just as important as knowing what to do. It’s important to remember the following advice:

Why Hire Pitkin Law After Your Florida Car Accident

Understanding the steps to take after a car accident can have a big impact on your recovery and your claim. The moments and days right after a crash matter more than most people realize. How you document the scene, handle medical care, and communicate with insurance can all affect the outcome. 

That’s why contacting an experienced car accident attorney is so important. Our car accident lawyers at Pitkin Law can guide you through each step, protect your rights, and ensure you receive fair compensation. Contact us today for a free consultation.

Feel free to reach out and speak with our experienced team of professionals who are here to provide you with legal guidance.
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