Stress and shock after an accident can cloud your judgment. In those tense moments, it’s easy to make mistakes or hasty decisions that may hurt your case later. It’s quite natural for people to say or do things that weaken their claims simply because they’re shaken up. That’s why it’s wise to think about contacting a Florida car accident attorney early on.
Also, having some idea about common mistakes to avoid and how Florida’s no-fault (PIP) system works can help you stay calm, protect your health, and avoid hurting your chances of fair compensation.
- Not Calling the Police
Florida law makes it mandatory to report the crash to the Police if there’s any injury, death, or property damage over $500. Skipping this leaves no official record, making claims much harder.
- Admitting Fault
Florida follows shared fault rules (comparative negligence). If you say, “I’m sorry,” or accept blame, even unintentionally, it can lower the compensation. It’s best to stick to the facts and let the police or insurance decide who was at fault.
- Delaying Medical Attention
Immediate care is important. To be eligible for benefits, Florida’s PIP insurance requires you to seek treatment within 14 days of the accident. If you take too long to see the doctor, the insurer may claim that your injuries weren’t caused by the accident.
- Not Seeking Medical Aid At All
Not every injury appears right away and causes issues later. But without a doctor’s report, insurers may say you weren’t really hurt. So, if you see a doctor, they can identify your injuries and even take them seriously.
- Failing to Gather Evidence
Not being able to collect enough evidence of the accident can make you lose your rights and claims. Photos of vehicle damage, road signs, skid marks, and weather conditions are significant evidence and can make a difference in your case. Also, collecting witness names and contact info will help in building a strong claim.
- Not Sharing Complete Information
Always get the other driver’s information – name, vehicle number, car make/model, insurance, and contact details. Also, consider the details of all the witnesses and passengers.
- Talking to Insurance Companies Without an Attorney
Insurance adjusters may sound helpful, but they work for the company and not for you. Never give recorded statements or sign papers before speaking with your Florida car accident attorney.
- Accepting a Quick or Low Statement
Initial offers given by the insurance company often don’t cover full damages, such as ongoing medical care, lost wages, or pain and suffering. If you accept this lowball offer, it’s hard to ask for more. Wait for legal counsel before signing anything.
- Failing to Report the Accident to Your Insurance
Even with PIP coverage, you must notify your insurance company early. Waiting too long can go against your case, giving them a reason to reduce or deny your claim.
- Overlooking Florida’s No-Fault Insurance Rules
Florida drivers must carry at least $10,000 in PIP (Personal Injury Protection) and $10,000 in property damage liability. PIP pays 80% of medical expenses, 60% of lost wages, and 100% of replacement services, regardless of who was at fault. Failing to use PIP or misunderstanding its role may cost valuable benefits.
Why Avoiding These Mistakes Matters?
The no-fault insurance system in Florida means that your own insurance will usually pay for your medical bills after a car accident. It can also cover some lost wages, even if the accident was your fault. This is called Personal-Injury-Protection (PIP) coverage.
But here’s the catch: Florida’s PIP rules have strict deadlines and limits. And if you miss these or fail to understand the system, you could lose out money you need for recovery. That’s where talking to a Florida car accident attorney can be beneficial. They can explain your rights, deal with the insurance companies, and ensure you get the compensation you truly deserve.
At Kagan Law PLLC, our attorneys specialize in Florida car accident cases. We’re ready to guide you through the PIP system, handle communication with insurers, and fight to maximize your claim. So, the next time you or your loved one needs legal advice for their car accident in Florida, contact us for a seamless, hassle-free, and profitable claim process.