What to Do When You Are Involved in a Car Accident in Tampa, FL

Getting into an accident can be a nerve-wracking experience, even if it’s minor. In these situations, you should stay calm and keep the following steps in mind:

• Check if anyone is injured. If there are injuries, immediately call emergency services. If the vehicles are blocking traffic and it is safe to do so, consider moving them to a safer location off the road.
• Contact law enforcement. In Florida, it is mandatory to report to the police any accident that results in injury, death or property damage exceeding $500. An official report may be necessary for your auto insurance claim and can be useful for legal purposes.
• Trade information with others involved. Exchange contact and insurance details with the other drivers involved. This typically includes names, addresses, phone numbers, driver’s license numbers, license plate numbers and insurance policy numbers. Additionally, it can be helpful to gather information from any witnesses.
• Document the scene. Take photographs of the accident scene, vehicle damage and relevant road conditions. These images may serve as evidence during the claims process.
• Do not admit fault at the scene. Determining fault is typically handled by insurance companies after examining all the evidence. Even if you think you may have been responsible, avoid declaring this to the other drivers, as there may be more to the situation.
• Report the accident to your insurance company as soon as possible. Florida operates under a no-fault insurance system, meaning your own insurance covers your medical expenses regardless of who caused the accident. Your insurance agent can guide you through the claims process and explain what information they need.
• Consider seeking medical attention even if you feel fine. Florida law requires you to seek medical treatment within 14 days to be eligible for personal injury protection (PIP) benefits. Moreover, some injuries may not be immediately apparent, so it’s often in your best interest to get a doctor’s opinion.
• Keep thorough records. Maintain a file with all accident-related documents, including the police report, medical records and correspondence with your insurance company. Keep receipts for any expenses related to the accident to help with your claim.
• Additional considerations. In Florida, leaving the scene of an accident can result in severe penalties, including the suspension of your driver’s license or criminal charges. Always remain at the scene until it is appropriate to leave.

Ultimately, All All Affordable Insurance Agency is here for you. Contact us to review your auto insurance coverage and discuss what to do after an accident.