Car accidents are overwhelming experiences. Between physical injuries, property damage, and insurance claims, it can be hard to know what steps to take—or even what questions to ask. At Sahil Vijay Law, PLLC, we’ve guided countless Floridians through the aftermath of car crashes, helping them recover physically, emotionally, and financially.
If you’ve been in a Florida car accident, asking the right questions can make all the difference in protecting your rights and maximizing your recovery. Below, we answer the top 10 questions you should ask after a Florida car crash.
Yes. Florida law requires you to report an accident to law enforcement if it results in injury, death, or apparent property damage over $500. Even if the accident seems minor, always call the police. A police report serves as an official record of the crash—documenting who was involved, the circumstances, and any citations issued.
That report becomes essential evidence for insurance claims and legal proceedings. Without it, your ability to prove fault or recover damages may be significantly weakened.
Absolutely. Many injuries, such as whiplash, concussions, or internal injuries, don’t appear immediately. Under Florida’s Personal Injury Protection (PIP) law, you must seek medical treatment within 14 days of the accident to qualify for PIP benefits.
Getting checked by a doctor not only ensures your health but also creates a record linking your injuries to the crash—critical when filing an insurance claim or lawsuit later on.
After ensuring everyone’s safety and contacting the police, gather as much evidence as possible:
Names, contact information, and insurance details of all drivers involved
License plate numbers and vehicle descriptions
Photos of the accident scene, vehicle damage, skid marks, and road conditions
Witness names and contact information
This information will help your attorney build a strong case if liability is disputed.
You should contact your insurer as soon as possible, ideally within 24 hours. Be honest about the facts but avoid admitting fault or speculating about injuries before seeing a doctor.
Florida is a no-fault state, meaning your own insurance covers your initial medical expenses and lost wages up to your PIP limit—regardless of who caused the crash. However, serious injuries may entitle you to pursue additional compensation from the at-fault driver.
Unfortunately, uninsured and underinsured drivers are common in Florida. If the other driver lacks coverage, you may still have options:
Your Uninsured/Underinsured Motorist (UM/UIM) coverage can step in to cover damages.
You can file a personal injury lawsuit against the negligent driver.
An experienced Florida car accident lawyer can review your policy and identify every possible source of recovery.
Under Florida’s no-fault laws, every driver must carry $10,000 in PIP coverage and $10,000 in property damage liability (PDL).
PIP covers:
80% of necessary medical expenses
60% of lost wages
Up to $5,000 in death benefits
However, PIP benefits are limited. If your injuries are considered “serious” under Florida law—such as significant disfigurement, permanent injury, or loss of bodily function—you can pursue a personal injury claim against the at-fault driver to recover additional damages like pain and suffering.
The sooner, the better. Insurance companies often move quickly to minimize payouts, and critical evidence (like camera footage or witness memories) can fade fast.
A car accident attorney can:
PIP covers:
Investigate your case thoroughly
Handle all communications with insurance companies
Calculate the true value of your claim
Negotiate or litigate for maximum compensation
At Sahil Vijay Law, PLLC, we offer free consultations and work on a contingency fee basis—meaning you don’t pay unless we win.
Your potential compensation depends on the severity of your injuries and the circumstances of your crash. Damages typically include:
Medical expenses (current and future)
Lost wages and loss of earning capacity
Pain and suffering
Property damage
Rehabilitation costs
Loss of consortium (for spouses)
If the other driver acted recklessly or intentionally—such as driving under the influence—you may also be entitled to punitive damages.
In 2023, Florida updated its statute of limitations for personal injury cases. You now have two years from the date of the accident to file a lawsuit (reduced from the previous four years).
Missing this deadline can permanently bar you from recovering compensation, so don’t delay in consulting a lawyer.
A skilled car accident attorney can make the difference between a lowball settlement and full, fair compensation. Here’s how the team at Sahil Vijay Law, PLLC supports clients after a crash:
Comprehensive Case Evaluation – We review your medical records, accident reports, and insurance coverage to determine liability and damages.
Negotiation with Insurers – We handle all communications and fight back against unfair settlement tactics.
Evidence Collection – From witness statements to expert accident reconstruction, we gather the proof you need to succeed.
Trial Representation – If a fair settlement isn’t offered, we’re prepared to take your case to court.
Our goal is simple: to help you rebuild your life after an accident while ensuring the insurance companies treat you fairly.
Even small missteps can hurt your claim. Avoid these common errors:
Admitting fault at the scene or to the insurer.
Failing to seek medical care within 14 days.
Posting on social media about the accident or your injuries.
Accepting the first insurance settlement offer without legal advice.
Delaying contact with an attorney.
Your actions immediately after a crash can shape the entire outcome of your case.
At Sahil Vijay Law, PLLC, we’re proud to represent accident victims across Florida with compassion and determination. Our firm combines deep knowledge of Florida’s personal injury laws with a client-first approach.
We understand the stress and uncertainty you face after a car crash—and we’re here to handle every detail while you focus on healing. Whether negotiating with insurance companies or fighting for your rights in court, we’ll stand beside you every step of the way.
If you or a loved one has been injured in a car crash, don’t wait. Contact Sahil Vijay Law, PLLC today for a free, no-obligation consultation. We’ll review your case, explain your rights, and help you pursue the compensation you deserve.
Disclaimer: This article provides general information and should not be construed as legal advice. You should consult with an attorney for guidance on their specific circumstances.
If you would like to speak to an attorney at Sahil Vijay Law, PLLC, please click here.
424 E Central Blvd
Unit 651
Orlando, FL 32801
A transactional law firm headquartered in Orlando, Florida.
