Assess The Situation
The first thing you should do is to check your body and the surroundings. Do you have injuries? Can you move your body? If it is hard for you to move, ask a passenger or a bystander for help so you can get immediate medical treatment.
If you can move, you might end up discussing the matter with the other driver, some witnesses, or the police who responded. Make sure you do not admit fault immediately or make assumptions on who is at fault. Stick to the facts only.
Report The Accident
If the accident that happened anywhere in Florida caused personal injuries or property damage that is worth more than $500, you are required to report it to authorities. You can call the local police department, sheriff, or the Florida Highway Patrol. In case you assessed that there are serious injuries or that the accident led to any unsafe situation, you should contact 911 immediately.
Document Relevant Information
While waiting for the police, you can preserve evidence on your own. Verify the identity of the other driver. Take note of his or her name, phone number, vehicle, license plate number, and insurance information.
Take advantage of technology. Use your cellphone's camera to take photos of the positions of the vehicles, their point of contact, and the damages. These photos will come in handy, especially if you need to move your cars so as not to block traffic. You can also use them as evidence in case your insurance company asks questions.
Get Medical Treatment
Your well-being should be the top priority. If you have injuries, you should get medical treatment immediately. Once the ambulance arrives, go with the emergency response team. Car accidents can cause serious injuries, so it is best to have your body checked as soon as possible.
Treatment will depend on the type of injuries you have. It could just take days or last for weeks or months. No matter what happens, always follow your doctor and go to all schedules. Remember to keep all your medical records safe and secured.
Turn In Your Insurance Claim
You or a representative should notify your insurance company about the accident. You should turn in a claim to get proper compensation. The state of Florida implements a no-fault insurance system. Thus, car owners have personal injury protection (PIP) insurance of at least $10,000. It covers all medical bills and other related expenses, no matter who is at fault. You should be aware of the deadline to ensure you get your claim.
Florida also requires property damage liability insurance of at least $10,000. You can file a claim against the insurance company of the driver who is at fault.
Consult An Accident Lawyer
You might find the insurance claim process complicated or tricky. Aside from this insurance, a victim should also worry about his or her recovery. If you are involved in a car accident anywhere in St. Petersburg, an auto accident lawyer can help protect your legal interests..