What to Do in the First 72 Hours After a Car Accident in Florida

The first 72 hours after a crash matter more than most people realize. Evidence disappears, memories fade, and insurance adjusters move quickly. Here’s what to prioritize.

1. Get checked by a doctor — even if you feel fine

Florida’s PIP law gives you only 14 days to seek initial medical care if you want your no-fault benefits to apply. Adrenaline masks injuries; soft-tissue damage often shows up days later.

2. Document everything

Photos of the vehicles, the scene, your injuries. Names and numbers of witnesses. A copy of the crash report. Save it all in one place.

3. Be careful what you say

You are required to report the accident — you are not required to give a recorded statement to the other driver’s insurer. Polite and brief is enough.

The insurer’s first call is rarely about helping you. It’s about limiting what they pay.

4. Talk to an attorney before you accept anything

Early settlement offers almost always undervalue future medical costs. A consultation costs you nothing and protects your options.