What To Do If You’ve Been In A Vehicle Accident Of Any Kind
PIP insurance laws were put into place to make car accidents, and those suffering injuries from them, a bit easier for Florida residents. With PIP insurance policies, your insurance policy will cover your medical costs, lost wages, and damages for you regardless of who may have been at fault for the accident, and any other parties in the accident will be covered by their own insurance policies as well. In serious accidents, however, the coverage allowed by PIP insurance policies dries up quickly, and Florida residents may be able to pursue a negligence lawsuit against the driver whose actions caused the accident in the first place.
The nature of car accident injuries is tricky, and while you may think you’re perfectly fine right after the accident, nagging and lasting injuries can begin to rear their ugly head later on. For this reason, it’s always best to prepare yourself by knowing what to do after even a small accident occurs.
The first thing one should do is call the police and to get an official report of the accident. Whether this is a two vehicle accident with another driver at fault, or if it’s a one vehicle accident where negligence likely lies on the driver making the call, an official police report of the accident can help to avoid any problems with your insurance company or in a potential lawsuit later on. If needed in a negligence case, a driver will be able to call the local police department which reported to their accident and obtain a copy of the official report for a small fee.
After the police have been called, both drivers will then want to exchange information with one another, and any witness information should be obtained as well. Getting witness names, numbers, and other information at this time will ensure it is available if it is needed in a lawsuit later on. Once you leave the scene, and witnesses leave the scene, you may not have another chance to get this information you need.
After obtaining witness information and exchanging contact information with the other driver, you’ll then want to record your take on the accident as soon as possible. Taking notes on any injuries, what you feel caused the accident, and any other important details you may forget later on will allow you a fresh take on the accident you can go back and reference if need be.
Next, you’ll want to call your insurance company and share the information you have regarding the accident and your injuries with them. Notifying your insurance company as quickly as possible after an accident is important, and you will want your insurance company to know every detail as accurately as they can be recounted.
If you’re able, you’ll then want to take photos of the accident scene and collect any evidence you can find. Skid marks on the road, damages to your vehicle or outside property, and injuries are all things you’ll wish to document in order to have later on should you need it in pursuit of a lawsuit or for your insurance company.
Of course, if injuries are severe, evidence collection and all similar steps can wait, as you should always seek medical attention as quickly as possible after being in an automobile, truck, or motorcycle accident. Not seeking medical attention quickly after an accident, even if you feel okay, could result in coverage being denied for injuries felt in the coming days or weeks after the accident has occurred.