Car accidents remain a serious issue throughout Miami-Dade County. In 2023, there were 59,965 reported crashes. These incidents caused 28,345 injuries and claimed 287 lives. Hit-and-run crashes alone accounted for over 19,000 cases, with more than 3,000 resulting in injury.
Coral Gables is known for its quiet neighborhoods and historic charm. But like the rest of Miami-Dade County, it sees its share of traffic accidents.
Busy roads like U.S. 1 (South Dixie Highway), Le Jeune Road, and Coral Way carry heavy traffic every day. Areas near Miracle Mile, Ponce de Leon Boulevard, and the University of Miami often experience congestion and sudden stops. These conditions increase the risk of collisions. This is where the Coral Gables car accident lawyers of Madalon Law come in.
Florida law allows people injured in car accidents to seek compensation. But the process can be complicated. Florida uses a modified comparative negligence system. If a driver is found to be more than 50% at fault, they may not be eligible to recover damages. That’s why it’s important to understand your rights after a crash.
Injuries from an accident can affect many parts of life. Physical pain, emotional stress, medical bills, and time away from work can create real challenges. If the crash involves a hit-and-run or multiple vehicles, the situation can become even more difficult.
No two crashes are the same. An accident near Red Road and Sunset Drive might look very different from one on Granada Boulevard or Bird Road. Each case depends on the specific details and how Florida traffic laws apply.
Understanding what to do after a crash is the first step. Clear information can help you protect your health, your rights, and your future.
This page is intended to provide general information about car accidents in the Coral Gables area. If you’ve been injured in a crash, a qualified Coral Gables car accident lawyer can help you understand your options. Legal advice should always be specific to your case.
Coral Gables sees its fair share of auto accidents. Common ones include:
Rear-End Collisions
Rear-end crashes are among the most common accidents in Coral Gables. They often happen during stop-and-go traffic or at red lights. Drivers on Coral Way, U.S. 1, and Le Jeune Road regularly deal with sudden stops and congestion. A moment of inattention is all it takes.
In most rear-end cases, the trailing vehicle fails to brake in time. Distractions like mobile phones, eating, or even adjusting the radio can delay a driver’s reaction. These crashes often happen at lower speeds but can still cause serious injuries, like whiplash or back strain.
Intersections near Miracle Mile or the entrance to the University of Miami are frequent hotspots. Heavy pedestrian traffic and unclear turns make rear-end collisions more likely. Rainy conditions in Coral Gables also increase stopping distance, adding to the risk.
While many think of rear-end crashes as minor, the impact can be lasting. Even slow-speed collisions can lead to long recovery times. These crashes can also trigger chain reactions, especially during rush hour. Multiple vehicles may get caught in a single incident.
Each case is different. The cause, location, and vehicle speed all matter. A Coral Gables car accident attorney can help you understand your legal options.
T-Bone and Side-Impact Collisions
T-bone collisions, also called side-impact crashes, happen when one vehicle hits the side of another. These accidents are especially dangerous at intersections. In Coral Gables, areas like Bird Road and Ponce de Leon Boulevard see frequent cross-traffic. One missed signal or rushed left turn can lead to serious impact.
Side doors offer less protection than the front or rear of a vehicle. As a result, injuries in these crashes are often severe. Broken bones, internal injuries, and head trauma are common. The risk is even higher for passengers seated on the side of impact.
These accidents often occur when someone runs a red light or misjudges another car’s speed. Intersections near the University of Miami and Douglas Road are common sites. Many of these streets have multiple lanes and limited visibility.
T-bone crashes can also involve complex faults. It’s not always clear who had the right of way. That’s especially true when drivers enter intersections during yellow lights or try to beat a signal change.
Head-On Collisions
Head-on collisions are some of the most severe types of accidents. They often occur when a driver crosses into oncoming traffic. In Coral Gables, narrow roads like Segovia Street or parts of Old Cutler Road can become dangerous with even a small mistake.
These crashes usually happen at higher speeds. The force of two vehicles hitting front-to-front multiplies the impact. Injuries are often critical—ranging from spinal damage to internal bleeding, or even death.
Head-on collisions may involve distracted driving, fatigue, or impaired judgment. They also happen during attempts to pass slower vehicles or avoid obstacles. Curves and intersections without clear sightlines can increase the risk.
Areas with less lighting or heavy evening traffic, such as Alhambra Circle or South Greenway Drive, may also contribute. Wrong-way drivers are another cause. Even a brief lapse in navigation can lead someone the wrong way on a one-way street.
Determining what happened in a head-on crash takes careful review. The positions of vehicles, skid marks, and witness reports all matter. These incidents are rare, but when they happen, they often bring life-changing consequences.
Sideswipe Accidents
Sideswipe accidents happen when two vehicles traveling in the same direction make contact side-to-side. They might seem minor at first, but they can cause dangerous chain reactions—especially at higher speeds.
In Coral Gables, roads like U.S. 1, Riviera Drive, and Coral Way often have heavy, fast-moving traffic. Merging and lane changes in these areas are common. A sideswipe can occur when a driver doesn’t check their blind spot or misjudges the space in another lane.
These crashes may cause drivers to lose control and veer into other lanes, medians, or even sidewalks. In busy areas near Miracle Mile or Red Road, a small sideswipe can quickly involve multiple cars or pedestrians.
Sideswipes can also happen when parked cars open doors into traffic. This is especially common near residential streets or downtown Coral Gables where street parking is limited.
Even if vehicles seem to suffer only cosmetic damage, occupants may still experience injuries—especially to the neck, shoulders, or back. Airbags may not deploy in a sideswipe, so the body absorbs more of the force.
The cause of these accidents can be hard to determine. Without clear footage or witnesses, proving what happened requires careful investigation. Car accident lawyers in Coral Gables can source expert witnesses to validate facts.
Hit-and-Run Crashes
Hit-and-run accidents are distressing and far too common. In Miami-Dade County, there were over 19,000 reported hit-and-runs last year. Coral Gables, with its busy intersections and pedestrian traffic, sees its fair share.
These crashes happen when a driver leaves the scene without providing information or helping the injured. It may involve another vehicle, a cyclist, or a pedestrian. Locations near the University of Miami, downtown Coral Gables, and residential neighborhoods often see this type of incident.
Victims may be left injured and without crucial details needed to file a claim. In some cases, the only evidence is vehicle debris or a partial license plate. Street cameras and nearby businesses may help identify the fleeing driver, but that’s not guaranteed.
Hit-and-runs are especially hard when pedestrians or cyclists are involved. Coral Gables has many crosswalks and bike lanes that increase the risk. Crashes near Granada Golf Course or the Coral Gables Country Club often involve both drivers and foot traffic.
Even if the driver is never found, there may still be options for recovery through uninsured motorist coverage. Still, the process can be emotionally and financially overwhelming.
Multi-Vehicle Pileups
Multi-vehicle crashes involve three or more cars. They often start with a single impact but quickly escalate. In Coral Gables, areas with fast-moving or tightly packed traffic—like U.S. 1 or Bird Road during rush hour—are at higher risk.
These pileups can happen in seconds. One rear-end crash can push a vehicle into others ahead. Sudden stops, poor visibility, or slick roads often make things worse. Rain is common in South Florida and contributes to chain reactions on busy streets.
In these situations, it’s not always clear who caused the crash. More than one driver may share fault. Damage is often extensive, and injuries can range from minor to critical.
Multi-car accidents can also block major intersections, causing significant delays. Emergency services may need to treat multiple victims, and road closures are common. Near high-traffic spots like Ponce Circle Park or Alhambra Plaza, this can create major disruptions.
These crashes require detailed investigation. Police reports, dash cams, and witness accounts are all important. With multiple insurance companies involved, the claims process can be more complex and time-consuming than in a two-car crash.
Left-Turn Accidents
Left-turn accidents often happen at busy intersections where visibility is limited or traffic is heavy. In Coral Gables, intersections at Le Jeune Road and Coral Way or U.S. 1 and Red Road are common locations for this type of crash.
These accidents occur when a driver turning left misjudges the speed or distance of oncoming traffic. Sometimes, a driver may try to turn during a yellow light or assume another car will yield. The result can be a high-impact T-bone crash or head-on collision.
Vehicles making left turns are often found at fault unless the other driver was speeding or ran a red light. But fault can be difficult to prove without clear evidence like camera footage or credible witnesses. Injuries in left-turn accidents can be serious. The angle of impact often affects the driver or front-seat passenger directly. Common injuries include fractures, concussions, and internal trauma.
These crashes are also common near shopping areas or school zones, where drivers turn across multiple lanes of traffic. The mix of pedestrians, parked cars, and turning vehicles makes these locations more hazardous.
Every left-turn crash has its own circumstances. Understanding how they happen helps clarify fault and the next steps in recovery.
Parking Lot Accidents
Parking lot accidents are common in Coral Gables, especially near busy shopping centers like Shops at Merrick Park, Publix on Le Jeune, or the downtown business district. These crashes often happen at low speeds but still cause injury and damage.
Typical parking lot accidents include backing into another car, sideswiping a parked vehicle, or hitting a pedestrian. Confusion over right-of-way, limited visibility, and distracted driving are frequent causes. In tighter lots, multiple cars may back up at the same time, leading to impact.
Because these crashes often occur on private property, police may not always file a formal report. This can complicate insurance claims. Photos, witness statements, and any available surveillance footage become especially important.
Injuries can still be serious, even at low speeds. Pedestrians struck in a lot may suffer head injuries or broken bones. Drivers and passengers may experience neck strain or shoulder injuries from unexpected impact.
Determining fault can also be more difficult. Was a car moving? Was it properly parked? Did both drivers share blame? These are common questions in parking lot cases. Even if the damage seems minor, it’s important to document everything. The effects can still be long-lasting—especially when injuries are involved.
Single-Vehicle Accidents
A single-vehicle accident involves just one car but can still result in serious harm. These crashes happen when a vehicle strikes a pole, tree, wall, or swerves off the road. In Coral Gables, they often occur on winding roads like Old Cutler, Sunset Drive, or near the Granada Golf Course.
Causes vary. A driver might swerve to avoid an animal, lose control during rain, or hit a patch of gravel. Speeding around curves or overcorrecting after drifting can also lead to this type of crash. Sometimes, an external factor—like debris in the road or a blown tire—is to blame.
These accidents can be especially dangerous at night or in poor weather. A sudden loss of control can send a car into a canal, light post, or even a residential fence. Injuries may include concussions, broken bones, or internal bleeding—especially if seat belts weren’t used or airbags didn’t deploy properly.
In some cases, another vehicle may have played a role without making contact—like cutting off the driver. That can still affect liability. Even though only one vehicle is involved, single-car crashes deserve serious attention. The consequences can be just as severe. Plus, the cause isn’t always straightforward.
A car accident can turn your life upside down. Here are few common causes personal injury attorneys frequently work with in Coral Gables:
Distracted Driving
Distracted driving is a leading cause of car accidents in Coral Gables. A momentary lapse in attention can have lasting consequences. Drivers checking a text, adjusting GPS, or eating behind the wheel can easily miss a stoplight or veer into another lane.
This issue is especially noticeable near school zones, where pedestrians and cross traffic are constant. Streets like Bird Road or Miracle Mile also pose risks due to frequent stops, crosswalks, and turning vehicles.
Distractions don’t always come from phones. A conversation with a passenger or glancing at a storefront can be enough to cause a crash. In residential areas like Coral Way or Alhambra Circle, these distractions are even more dangerous, as traffic patterns are less predictable.
Even low-speed distracted driving can lead to significant damage or injury. A small bump in a parking lot or rear-end at a red light can cause whiplash, back pain, or worse.
Unlike weather or road conditions, distracted driving is fully within a driver’s control. And when a crash happens, it can be difficult to prove the distraction without phone records or video. That makes documentation crucial in these cases.
Speeding
Speeding is one of the most common—and most dangerous—causes of car accidents in Coral Gables. Rushing down U.S. 1 or racing a light on Coral Way cuts reaction time and makes crashes more severe.
In Coral Gables, many roads wind through residential neighborhoods, school zones, and busy intersections. Areas like Riviera Drive or Red Road often have reduced speed zones that drivers ignore. A car going just 10 mph over the limit may not seem extreme, but it can double the stopping distance and make a collision more likely.
Speed-related crashes also tend to be more violent. The impact is stronger, airbags are more likely to deploy, and injuries can be more severe—broken bones, traumatic brain injuries, and internal bleeding are common.
Sometimes speeding doesn’t involve breaking the posted limit, but rather driving too fast for conditions. Rain, glare, and high pedestrian activity near Miracle Mile or Ponce de Leon require slower, more careful driving—even if the sign says 35 mph.
Speeding also reduces the time drivers have to react to obstacles or other vehicles. That makes it harder to avoid a crash, and more difficult to control the outcome once one begins.
Failure to Yield Right-of-Way
Failing to yield the right-of-way is a common cause of crashes at intersections and merge points throughout Coral Gables. Whether a driver is making a left turn, merging onto Le Jeune Road, or exiting from Alhambra Circle, not understanding—or ignoring—who has the right-of-way can lead to side-impact or head-on collisions.
Many intersections in Coral Gables are older, without left-turn signals or clear signage. Drivers often misjudge gaps in traffic or assume others will slow down. This is especially true at busy crossings like Coral Way and Granada Boulevard or near schools and roundabouts where rules vary.
Pedestrians and cyclists are also affected by these errors. Failing to yield when someone is crossing at a marked crosswalk is a frequent source of accidents. Determining fault in these crashes typically comes down to who had the legal right-of-way. But it’s not always obvious without traffic camera footage or eyewitness testimony. These cases often require a detailed reconstruction to understand exactly what happened.
Even a brief failure to yield can change lives. Injuries from these crashes are often severe as they involve unexpected angles and minimal reaction time.
A car accident can cause minor and major injuries depending on type. Each comes with its own medical costs that can set you back considerably. Common injuries you may need to recover damages for include:
Head and Brain Injuries
Head and brain injuries are some of the most serious outcomes of car accidents in Coral Gables. Even in low-speed crashes, the brain can suffer trauma from a sudden jolt or impact. In more severe collisions, especially T-bone or rollover accidents, the risk of traumatic brain injury (TBI) increases.
These injuries can occur near high-risk areas like U.S. 1 or intersections around Miracle Mile, where impact angles are unpredictable. A driver or passenger may hit their head on the steering wheel, window, or airbag. In some cases, a penetrating injury may occur from debris.
Symptoms of a brain injury aren’t always immediate. Victims may experience confusion, headaches, blurred vision, or memory loss hours—or even days—after the crash. More severe TBIs can result in long-term cognitive issues, changes in personality, and difficulty performing daily tasks.
Recovery from brain injuries often involves extensive medical care: imaging tests, neurological evaluations, physical therapy, and psychological treatment. The financial and emotional toll can be significant.
Because brain injuries are not always visible, documentation is essential. Medical records, accident reports, and witness statements can all play a role in understanding how the injury occurred—and who may be responsible.
Spinal Cord and Back Injuries
Spinal injuries are common in car accidents and can range from minor strains to life-altering damage. In Coral Gables, rear-end crashes along Le Jeune Road or high-speed collisions on Bird Road often result in trauma to the neck and spine.
The sudden force of a crash can cause discs in the spine to bulge, slip, or rupture. In severe cases, the spinal cord may be compressed or torn, leading to partial or complete paralysis. Even less serious back injuries can cause chronic pain, limited mobility, and nerve damage.
Whiplash is one of the most frequently reported spinal-related injuries. It happens when the neck is suddenly jerked backward and forward, typically in a rear-end collision. Victims may not feel pain immediately, but symptoms often develop within days: stiffness, headaches, and dizziness are common.
Treatment can involve medication, physical therapy, injections, or even surgery. Recovery times vary widely. Some people heal within weeks, while others deal with permanent limitations.
Back and spinal injuries can affect every part of daily life—from work and family responsibilities to basic tasks like driving or walking. Documentation of the injury and its impact is critical when seeking compensation or planning long-term care.
Understanding Florida’s car accident laws is essential if you’ve been involved in a crash. Whether you are injured, managing repairs, or dealing with insurance, the legal rules in Florida shape every step you take afterward. These laws impact who pays for what, how fault is decided, and when you can take legal action.
The system can seem complex. But the basics are important to know if you want to protect your rights after an accident.
Florida is a No-Fault Insurance State
Florida follows a no-fault system for most car accident claims. That means if you’re injured in a crash, your own insurance policy pays for your medical bills and lost wages, no matter who caused the accident.
This coverage is called Personal Injury Protection, or PIP. Every Florida driver is required to carry it. PIP covers up to $10,000 in medical expenses and partial lost wages. It can also include a small death benefit in fatal crashes.
The no-fault rule applies to both drivers and passengers. If you were hurt in someone else’s car, their PIP coverage may apply to you.
But there are limits. PIP does not cover damage to your car. It doesn’t pay for pain and suffering, emotional trauma, or losses beyond the basic limit. And if you don’t get medical treatment within fourteen days of the crash, you may not qualify for any PIP benefits.
That short timeline makes it important to act quickly. Even if your injuries feel minor, it’s better to be checked by a medical provider as soon as possible.
When You Can Sue After a Crash
Florida’s no-fault system does not prevent you from filing a claim against another driver. But you must meet a certain threshold.
If your injuries are serious, you may step outside the no-fault rules. That allows you to file a lawsuit and seek full compensation from the at-fault driver’s insurance or assets.
Serious injuries are defined by Florida law. These include permanent injury, significant scarring, permanent loss of an important body function, or death. If your doctor confirms your injuries meet these criteria, you may pursue a personal injury claim outside of PIP.
This matters because it gives you access to compensation for damages that PIP does not cover—like long-term medical care, pain and suffering, emotional distress, and the full value of your lost wages.
If your injuries qualify, the issue of fault becomes critical. The insurance company for the other driver will examine the crash to determine who was responsible. That process is not always straightforward. Evidence, witness statements, crash reports, and medical records all come into play. If liability is disputed, your case may need to go to court.
Florida Uses Modified Comparative Negligence
In Florida, fault is not all or nothing. The law uses a rule called modified comparative negligence.
If more than one driver shares blame for a crash, fault is divided into percentages. You can still recover compensation as long as you were not more than fifty percent responsible. But your damages will be reduced by your percentage of fault.
For example, if your total damages are $100,000 and you were found 30% at fault, your recovery would be reduced by $30,000. You would receive $70,000.
If you were more than fifty percent at fault, you cannot recover damages from the other party. This is why fault disputes matter so much. Insurance companies will try to shift as much blame as possible to lower their payout—or avoid it entirely.
Clear documentation and strong legal support can help ensure that fault is properly assigned and that you receive fair compensation.
What Counts as a Reportable Crash in Florida
Not every fender-bender requires a police report. But most crashes in Florida must be reported by law.
You are required to report an accident if it causes injury or death, if property damage appears to be five hundred dollars or more, or if the crash involves a hit-and-run or an impaired driver.
In these cases, you must notify law enforcement right away. If officers respond to the scene, they will file a crash report. If they do not, you may need to submit a written report on your own, typically within ten days.
Even if the crash seems minor, it’s better to call the police. A formal report can be a valuable piece of evidence. It shows where and when the crash happened, documents the damage, and records witness names and the responding officer’s findings. That report often becomes the first thing insurance companies review when processing claims.
Required Insurance Coverage in Florida
Florida drivers must carry minimum levels of insurance to legally drive. These rules apply even if your car is old, rarely used, or leased.
The two main types of required coverage are Personal Injury Protection, or PIP, and Property Damage Liability, or PDL. PIP pays for medical costs and lost wages for you and your passengers. PDL covers the cost of damage you cause to another person’s property.
Bodily Injury Liability coverage is not required under Florida law, though many drivers carry it voluntarily. This kind of policy pays for injuries you cause to someone else in a crash.
Because the coverage is optional, many Florida drivers are underinsured or carry no coverage for injury damages. That can create serious problems if you are injured by someone who has little or no insurance.
Uninsured and underinsured motorist coverage, called UM or UIM, can help protect you in these situations. It is not required, but it is highly recommended. UM/UIM coverage steps in when the at-fault driver cannot fully pay for your injuries.
The Statute of Limitations in Florida
If you plan to file a personal injury lawsuit after a car accident in Florida, you must do so within a set period of time. This deadline is called the statute of limitations.
In most cases, the statute of limitations for car accidents in Florida is two years. That means you have two years from the date of the accident to file a lawsuit. If you miss this deadline, your case may be dismissed, and you may lose your right to pursue compensation.
This timeline applies to claims for personal injury. Property damage claims may follow a different schedule, and cases involving a government vehicle may have even shorter deadlines.
The countdown begins on the day of the crash. That’s why it is important to begin the process early, even if you’re still recovering. Gathering medical records, evidence, witness statements, and expert opinions takes time. The sooner you begin, the better prepared you’ll be if your case needs to go to court.
What Happens if the Other Driver Is Uninsured
Despite the legal requirements, many drivers in Florida do not carry insurance. Others carry only the minimum, which may not be enough to cover serious injuries.
If you are hit by an uninsured or underinsured driver, your options depend on your own coverage. PIP will still pay for your initial medical expenses, but it may not be enough.
If you have uninsured motorist coverage, that policy can step in to cover your injuries. It works as if the other driver had insurance. This can include payment for medical bills, lost wages, and sometimes pain and suffering.
If you don’t have this coverage, you may be able to file a lawsuit directly against the at-fault driver. However, drivers without insurance often lack the financial means to pay a judgment, which can make recovery difficult.
In these cases, it’s important to review your policy and understand what protections you have. Insurance companies do not always explain your full benefits unless you ask.
Why Fault Still Matters in a No-Fault State
Even though Florida is a no-fault state, fault still plays a major role in many car accident cases.
If your injuries are minor, PIP is likely your only source of compensation. But if they are serious, proving the other driver was at fault becomes the key to unlocking a full recovery. Fault affects whether you can file a lawsuit. It impacts how much money you receive. It also affects how insurers negotiate your claim.
Police reports, traffic cameras, medical records, expert analysis, and witness statements all contribute to the fault determination. These pieces of evidence help establish what happened and who is legally responsible.
If multiple drivers were involved, the case becomes even more complex. Fault can be divided among several people, each with their own insurance company and legal team. Understanding how the law assigns fault is essential for navigating these situations.
Florida’s car accident laws are designed to provide quick access to basic care through the no-fault system. But they also limit when and how victims can pursue full compensation. Knowing how PIP works, when you can sue, what deadlines apply, and how fault is assigned gives you a better chance at a fair recovery.
Car accidents happen fast. In most cases, you don’t see them coming. Here are some tips on what you should do immediately after to strengthen your case:
1. Stay at the Scene
Never leave the scene of an accident. Florida law requires drivers to remain at the site if there’s injury, death, or more than $500 in property damage. This includes hit-and-runs or incidents involving an impaired driver.
Even if the accident looks minor, damage can be hidden. Structural damage beneath a dent or invisible injuries like internal bleeding are common. Adrenaline can also mask pain. It’s always best to act as if the situation is more serious than it appears.
Call 911 to report the accident. If unsure which agency to contact, emergency dispatch will send the correct authorities. Officers will assess the scene and determine if a formal report is required. If law enforcement doesn’t file one, you are responsible for doing so.
Failing to stay or report the crash may result in criminal charges. Beyond legal risks, remaining at the scene helps preserve key details. It also protects your ability to file insurance claims or pursue compensation later.
Stay calm. Move vehicles only if they are blocking traffic and it is safe. Turn on hazard lights and wait for emergency personnel. Remaining present is not just legally required—it’s also the first step toward protecting your rights.
2. Check for Injuries and Get Medical Help
Check yourself and others for injuries after you are involved in a car crash. Start with your passengers, then—if it’s safe—check the occupants of other vehicles. Do not say more than needed. Ask only, “Are you injured?” Avoid apologizing or admitting fault.
Some injuries appear immediately, while others develop over time. Whiplash, concussions, and soft tissue injuries may appear later. You might feel fine due to the adrenaline rush. But that doesn’t mean you’re unhurt.
Under Florida law, you must seek medical care within 14 days to be eligible for Personal Injury Protection (PIP) benefits. That means seeing a doctor as soon as possible. Emergency rooms, urgent care, or your regular provider are all options.
Tell the medical provider you were in a car accident. This ensures proper documentation for insurance or legal claims. Save all records, receipts, and discharge paperwork.
Do not wait until symptoms worsen. Headaches, dizziness, numbness, or nausea could signal something serious. Early diagnosis and treatment are key to recovery—and to ensuring your accident-related injuries are properly linked to the crash.
Getting medical attention protects both your health and your ability to seek compensation.
3. Report the Accident
You must report a car accident if it involves injury, death, a hit-and-run, a drunk driver, or property damage over $500. In most cases, calling 911 ensures this is done. Police will arrive and complete a report on the scene.
However, not all crashes result in a police report. If an officer does not file one, you are legally responsible for reporting the accident yourself. Florida makes it easy to do online. The crash report becomes a critical piece of evidence later.
When speaking to police, stick to the facts. Describe what happened clearly, without guessing or blaming anyone. If you are unsure of something, say so. Avoid emotional or speculative statements. What you say will go in the official record.
Request the report number and ask when and where you can access the completed document. This report is often needed by insurance companies and may play a role if you take legal action.
Do not skip this step. Even if no one seems injured and the damage looks minor, failing to report the accident may jeopardize future claims or expose you to legal risk. A complete record helps preserve your rights.
4. Exchange Information
Exchange basic information with the other driver. This includes names, license plate numbers, driver’s license details, and insurance information. You are not required to share your phone number or address.
Limit what you say. Keep the conversation polite but brief. Do not discuss the cause of the crash or say anything that could be interpreted as admitting fault. Even a casual “I’m sorry” can be used against you later.
Take pictures of the other driver’s insurance card and license, if possible. This is often quicker and more accurate than writing it down.
Avoid discussing injuries, your plans to file a claim, or how you feel. All conversations should be limited to exchanging necessary details. Let the insurance companies and legal teams handle the rest.
If the other driver refuses to cooperate, wait for the police to arrive and assist. Law enforcement can collect the required information and include it in the official report.
Exchanging information is not just a courtesy—it’s required for insurance and legal purposes. Be respectful, stay focused, and protect your rights by documenting everything clearly.
5. Get Contact Information from Witnesses
If someone saw the crash, ask for their name and contact details. Witnesses can help clarify how the accident happened—especially when stories conflict or evidence is unclear.
A neutral third party can provide valuable insight into speed, signals, driver behavior, or weather conditions at the time. Their account may support your version of events if the other driver disputes it.
Ask respectfully. Witnesses are not required to share their information, but many are willing to help. If they’re unsure, encourage them to speak to the police when they arrive.
If you can, write down what the witness says while it’s fresh. Even a short summary of what they observed can be helpful later. Include the time, location, and a physical description of the witness, just in case contact is lost.
Sometimes, witnesses leave before police arrive. Getting their contact info before they go can make a big difference in an insurance claim or legal case.
Don’t assume the police will talk to every bystander. Take the initiative to gather details while the scene is still active. Witnesses may hold the key to proving what really happened.
6. Document the Scene
Use your phone to capture as much of the accident scene as possible. Photos and videos can tell the story long after memories fade or facts are disputed.
Start with wide shots showing the position of vehicles. Then zoom in on damage, license plates, road conditions, skid marks, traffic signs, and any injuries. Don’t forget debris, fluid leaks, or anything unusual.
If weather played a role, document that too—wet pavement, fog, or sun glare, for example. Take pictures from multiple angles, and include nearby landmarks to establish location.
If you’re unable to take photos, ask a passenger or witness to help. Visual evidence often supports or disproves claims about fault, speed, or driver behavior.
Save all images in multiple places—your phone, cloud storage, or an external drive. Never alter or edit the originals.
In the days following the crash, jot down everything you remember while it’s still clear. Include details about time, lighting, traffic, what you saw or heard, and how the other driver acted.
A well-documented scene gives you a clearer, more accurate record of what really happened.
7. Contact a Lawyer
Before you contact your insurance company, speak with an attorney. This step can make a difference in how your claim is handled and how much compensation you may receive.
Insurance companies are not on your side. Their goal is to reduce payouts. That means your statements may be used to minimize or deny your claim. An attorney understands this process and can guide you through it while protecting your rights.
A lawyer can help you gather evidence, speak to insurance adjusters on your behalf, and explain the legal options available to you. They can also ensure that you don’t miss deadlines or legal requirements—especially if your accident involves serious injuries or complicated factors like a hit-and-run or uninsured driver.
If you’re not sure whether you need legal help, it’s still wise to get a consultation. It doesn’t obligate you to pursue a lawsuit, but it gives you clarity and protection.
Getting legal advice early is about more than preparing for court. It’s about giving yourself support and peace of mind during a stressful time.
Don’t go through it alone. A lawyer can help you understand the process, every step of the way.
8. Notify Your Insurance Company
After consulting a lawyer, notify your insurance provider about the crash. Most insurers require you to report an accident within a short window—sometimes 72 hours or less. Delays can affect your ability to file a claim.
When speaking with your insurer, keep it factual. Stick to basic information: time, location, vehicles involved, and whether there were any injuries. Do not guess or speculate. If you’re unsure about something, say that you will follow up.
Avoid admitting fault, apologizing, or making assumptions. Even casual remarks can hurt your case. Insurance representatives are trained to listen carefully and document everything.
Your lawyer can help you prepare a statement or even communicate directly with the insurance company on your behalf. This can help reduce stress and prevent mistakes.
You may also be asked to submit documentation—such as the police report, medical records, or photos. Have these ready, or ask your attorney how to organize and present them.
Timely reporting is critical. Missing a deadline may result in denial of benefits, including your Personal Injury Protection (PIP) coverage. Protect your claim by acting quickly, but carefully.
9. Stay Off Social Media
Do not post about your accident on social media. It may seem harmless to share a photo or update friends, but even casual comments can be used against you.
Insurance companies often monitor public profiles. A single post—like saying you’re “feeling fine” or going about your day—could be misinterpreted as proof that you’re not injured. Photos, check-ins, and even emojis can be taken out of context.
Keep in mind that even private posts might be accessed through legal discovery if a case moves forward. The safest approach is to avoid discussing your accident, injuries, or recovery online at all.
Tell family and friends not to tag you or talk about the crash publicly, either. Their posts can also affect your claim.
If you already posted something, don’t delete it. That could be seen as destroying evidence. Instead, pause all updates and ask your attorney how to proceed.
Social media may feel like a good outlet after a traumatic event, but it’s better to stay quiet. What you say can be misused. Protect your case by keeping your digital footprint clean and private.
10. Monitor Your Health Closely
Even if you walked away from the accident, pay close attention to your body in the days and weeks that follow. Some injuries—like soft tissue damage, concussions, or internal bleeding—take time to appear.
Watch for headaches, nausea, dizziness, numbness, stiffness, or unusual fatigue. These can be signs of hidden injuries that require medical attention. Emotional effects like anxiety or sleep problems also matter. Don’t ignore them.
Keep a health journal. Record any symptoms, doctor visits, medications, and changes in your condition. This creates a timeline that links your injuries directly to the crash. It can be vital for your insurance claim or legal case.
Don’t miss follow-up appointments. Ongoing care shows that you’re taking your recovery seriously. It also helps doctors identify problems early and treat them before they get worse.
Stay patient. Healing can take time, and some conditions may lead to chronic pain or limitations. Listen to your body, and keep your care providers updated about changes.
Most importantly, don’t try to “tough it out.” If something feels off, get it checked out. Your health—and your legal case—depend on it. Discuss potential legal options with a Coral Gables Car Accident attorney.
11. Track All Expenses
From the moment the crash occurs, costs start to add up. Track every dollar you spend because of the accident, no matter how small. This includes medical co-pays, over-the-counter medications, Uber or taxi rides to appointments, and lost wages.
You may also need help at home—like hiring childcare, household help, or grocery delivery if your injuries prevent you from doing these tasks. These are all compensable costs in many claims.
Create a spreadsheet or use a notes app on your phone. Date each entry, explain what it’s for, and attach receipts or invoices when possible. For lost income, gather pay stubs or ask your employer for a letter documenting time off and wages missed.
If your car was towed, repaired, or declared a total loss, keep all related documents. Even the cost of a rental car or Uber can be included.
Being able to show exactly what the crash has cost you can make a difference in how much compensation you receive. It’s not just about major bills—small, everyday expenses matter, too.
Keeping detailed records from the start saves time and supports your claim later on.
12. Be Careful with Insurance Adjusters
Shortly after the accident, you may get a call from the other driver’s insurance company. Be cautious. Their goal is not to help you—it’s to protect their own bottom line.
Adjusters are trained to get you to talk freely. They may sound friendly or concerned, but anything you say can be used against you. You are not required to give a recorded statement right away. In fact, you should not do so without legal advice.
Stick to the basics: confirm your name, date, and that an accident occurred. Do not discuss injuries or who was at fault. If they pressure you, politely explain that you will speak through your attorney.
Never accept a settlement without reviewing it with a lawyer first. Early offers are often much lower than what your claim is truly worth. If you accept one, you may give up your right to seek more compensation—even if new injuries appear later.
Keep notes of all conversations with adjusters, including the date, time, and what was said. Do not sign anything or agree to terms until you’re sure it’s in your best interest.
13. Know Your Deadlines
In Florida, personal injury cases—including car accident claims—have strict deadlines. This is called the statute of limitations. If you miss it, you may lose your right to seek compensation.
As of 2023, Florida uses a two-year statute of limitations for most personal injury cases. That means you have two years from the date of the accident to file a lawsuit. (Previously, it was four years, but the law changed.)
There are also shorter deadlines for certain steps. For example, you must seek medical treatment within 14 days of the crash to qualify for Personal Injury Protection (PIP) benefits under your insurance.
Your insurance provider may also require that you report the accident immediately—or within 24 to 72 hours. Check your policy to confirm the time frame.
Missing even one deadline could mean losing compensation for medical bills, lost wages, or pain and suffering. A lawyer can help you keep track of these dates and ensure you meet all requirements.
Even if you’re unsure about pursuing legal action, knowing the timeline gives you options. Don’t wait until it’s too late to act. Start early so you’re protected down the line.
Establishing fault after a car crash is more than just pointing to the other driver. Under Florida law, you must prove certain legal elements to hold someone responsible for your injuries and losses. These elements build the foundation of a personal injury case and show why compensation is justified.
Duty of Care
Every driver in Florida owes others on the road a duty of care. This means they are legally required to drive in a safe and responsible manner. They must follow traffic signals, stay focused, and avoid behavior that puts others at risk. This duty applies the moment someone gets behind the wheel—whether they’re driving through a residential area or speeding down a major roadway.
In nearly all car accident cases, this element is not in dispute. It is understood that each person on the road is responsible for not causing harm. Proving duty of care sets the groundwork. It shows that the other driver had an obligation to act in a reasonably safe way and protect others from avoidable harm.
Breach of Duty
Once you establish that the other driver had a duty of care, you must show they failed to meet it. This is known as a breach of duty. It means they acted in a careless, unsafe, or illegal way.
Examples include speeding, running a red light, texting while driving, or failing to yield. Even small mistakes—like glancing at a phone or forgetting to use a turn signal—can count. The law compares their actions to what a “reasonable person” would have done in the same situation.
If their choices were dangerous or reckless, that’s a breach. This is where evidence becomes key. Photos from the scene, witness statements, traffic camera footage, and police reports can all help show what happened. A breach of duty means the driver did more than make a minor error. They created a situation that put others at serious risk.
Causation
Next, you must prove the other driver’s actions caused the crash—and your injuries. This is called causation. It’s not enough to show they acted carelessly. You have to connect their behavior to the harm you suffered.
This step can be difficult. Insurance companies may argue that something else caused the crash. Or that your injuries came from a different event. Strong evidence is needed to prove your side.
Medical records, expert opinions, and accident reports are all important. You may also need accident reconstruction or witness testimony. For example, if a driver ran a red light and hit your car, you need to show your injury would not have happened if they had followed the law.
If multiple cars were involved, figuring out who caused what can get complicated. But without clear causation, there’s no legal basis to hold the other driver responsible.
Damages
The last step is proving that you suffered real harm. This is called damages. These can include physical injuries, emotional distress, and financial losses.
Common damages are medical bills, therapy costs, and lost income. Some people can’t return to work or need help with everyday tasks. Others live with chronic pain or emotional trauma. These losses matter just as much as visible injuries.
You’ll need to collect and organize documents. Medical records, receipts, pay stubs, and daily notes about your pain or symptoms all help. Photos of your injuries and expert evaluations are useful, too.
Damages make your case personal. They show how your life changed because of the accident. They explain what you’ve lost—and why you deserve compensation.
A car crash can have long-lasting consequences. Here are a few damages car accident lawyers in Coral Gables may help you acquire:
Medical Expenses
Injuries from a car accident can leave a lasting impact on your health. Medical costs often make up the largest part of a personal injury claim. Whether your injuries are minor or severe, medical bills can add up quickly. You may need emergency care, surgery, follow-up visits, prescriptions, or ongoing physical therapy. Some injuries, like traumatic brain injuries or spinal cord damage, require long-term treatment.
Medical compensation includes both current bills and expected future care. This can involve rehabilitation, assistive devices, home care, or visits with specialists. Even small injuries can lead to extended care if complications arise. The goal is to cover all accident-related medical needs, so you’re not left with the financial burden.
Documentation plays a big role here. Hospital bills, doctor’s notes, pharmacy receipts, and physical therapy reports help prove your case. Keep a record of every visit, procedure, and medication. If you’re referred to a specialist, include those costs as well. These documents form the basis of your claim and show how the accident continues to affect your health.
In Florida, Personal Injury Protection (PIP) may cover some of your expenses. But in serious injury cases, you may pursue compensation beyond what PIP provides. Knowing the full scope of your treatment helps ensure nothing is left out.
Property Damage
Vehicle damage is one of the most immediate and visible results of a crash. After a car accident, compensation can cover the cost to repair or replace your vehicle. If your car is deemed a total loss, you may be entitled to its fair market value. This amount is based on the vehicle’s condition before the crash, not what you paid for it.
Beyond the car itself, you may be compensated for other damaged property. This includes personal items inside the vehicle, like phones, laptops, car seats, or other valuables. If the crash damaged a garage, fence, or other structures, those may also be included in your claim.
Insurance companies often handle property damage claims separately from injury claims. But just like with medical expenses, documentation matters. Take photos of all damage, get repair estimates, and keep receipts. If a rental car is needed while your vehicle is in the shop, that cost may also be recoverable.
Florida is a no-fault state for personal injuries, but property damage liability is handled differently. The at-fault driver’s insurance may be responsible for the costs. Getting a fair settlement means showing the full extent of what you lost—and why it matters.
Lost Wages and Earning Capacity
If you were hurt in a car crash, you might not be able to return to work right away. Some injuries require time to heal. Others may keep you out of work permanently. When this happens, you may be entitled to recover lost wages.
Lost wages refer to the money you didn’t earn because your injuries kept you from working. This includes missed paychecks, tips, bonuses, and other income. You may also include time taken off for medical appointments or therapy sessions. A letter from your employer or a record of missed workdays can support this part of your claim.
But there’s more to it. If your injuries cause long-term limitations, your future earning ability could also be affected. This is called lost earning capacity. For example, someone who worked in a physical job may no longer be able to lift heavy objects or stand for long periods. In this case, the compensation isn’t just about missed time—it’s about a changed career path.
Proving future losses may require input from vocational experts or economists. They help estimate how much income you might have earned if the accident hadn’t happened. These losses can shape your financial future, so documenting them fully is essential.
Pain and Suffering
Pain and suffering go beyond the physical injuries from a crash. This type of compensation accounts for the mental and emotional toll the accident has taken. Pain can affect how you sleep, move, and function in your daily life. It can linger for weeks, months, or even years.
This category of damages is often considered non-economic, which means there isn’t a set dollar amount. Instead, the value depends on the severity of your injuries and how they affect your life. A broken bone that heals in six weeks may cause less disruption than a spinal injury that limits mobility for life. But both involve real suffering.
You don’t need to suffer visible injuries to claim this compensation. The pain might be from nerve damage, headaches, or internal injuries. Emotional suffering counts too. Anxiety, depression, and post-traumatic stress can develop after a crash. If the accident changed your ability to live freely and comfortably, that matters.
Document your pain and limitations. Keep a journal, describe how the pain affects your day, and share updates with your doctor. These details can make a difference in showing the full human impact of the accident.
Emotional Distress and Mental Health Treatment
Car accidents don’t only cause physical injuries. Many people also suffer emotionally. You might feel anxious behind the wheel, lose sleep, or experience flashbacks. These reactions are signs of emotional distress. In more serious cases, a crash can trigger conditions like depression, anxiety, or post-traumatic stress disorder (PTSD).
This kind of suffering can deeply affect your quality of life. You may avoid driving or riding in a car. You might struggle with work, relationships, or everyday routines. Emotional distress is real and deserves recognition. It can be harder to prove than physical injuries, but that doesn’t make it less important.
Compensation can help cover the cost of treatment. Therapy, counseling, support groups, and medication may all be part of your recovery. If your doctor or therapist connects your condition to the accident, that connection strengthens your claim.
Mental health records, progress notes, and testimony from your healthcare provider can support this part of the case. It’s also helpful to share your experience in a written statement. Being open about how you feel is difficult—but it helps paint a complete picture of what the crash has taken from you.
Loss of Enjoyment and Quality of Life
After a serious crash, life may not return to normal. If injuries prevent you from enjoying the things you once loved, that’s a loss of enjoyment. It could mean no longer hiking, dancing, traveling, or playing with your kids. These are the moments that bring joy—and losing them is significant.
Loss of enjoyment is a form of non-economic damage. Like pain and suffering, it doesn’t come with a clear price tag. Still, it represents a real, personal loss. When a car accident changes how you live, that impact matters. You may not be able to walk long distances, return to a sport, or even perform basic tasks without help.
To support this claim, you may use personal statements, notes from therapists, or reports from friends and family. Describe the hobbies, interests, or routines you’ve lost. Explain how your injuries limit you. This is about showing how the accident affected the quality of your daily life.
While it’s more subjective, this type of damage reflects what you’ve been forced to give up—and why that loss deserves compensation.
Punitive Damages
In some cases, an accident isn’t just a result of carelessness. It happens because someone acted with extreme recklessness or malice. When that’s the case, the court may award punitive damages. These are not tied to your losses. Instead, they’re meant to punish the at-fault driver and send a message.
Examples might include a driver who was intoxicated, street racing, or intentionally trying to harm someone. These situations go beyond ordinary negligence. They show a complete disregard for the safety of others.
Punitive damages are not awarded in every case. They are rare and usually require strong evidence. Police reports, breathalyzer results, or video footage may help prove that the behavior was especially dangerous.
The goal is to hold the driver accountable and discourage others from doing the same. If your case involves this level of misconduct, these damages could increase the value of your claim. They reflect society’s interest in preventing similar harm in the future.
Wrongful Death Damages
Tragically, some car accidents result in death. When this happens, surviving family members may have the right to seek compensation through a wrongful death claim. These claims help cover financial and emotional losses caused by the sudden death of a loved one.
Wrongful death damages can include funeral and burial costs, medical expenses related to the final treatment, and loss of income the person would have provided. Families may also seek compensation for loss of companionship, guidance, and emotional support.
In Florida, specific rules determine who can file a wrongful death claim. Usually, a close family member or legal representative does so on behalf of the estate. The process is complex, and the emotional weight makes it even harder.
These damages cannot undo the loss. But they can provide some financial stability during a difficult time. They also recognize the deep personal loss the family has suffered. When someone’s life is cut short because of another person’s actions, the law provides a way to seek accountability.
Who can be held liable after an Uber or Lyft accident?
If you’re hurt in a rideshare accident, more than one person might be responsible. The rideshare driver could be at fault. Another driver may have caused the crash. Sometimes, the rideshare company might be held responsible too.
It depends on whether the driver was using the app when the accident happened. These cases can be confusing. An attorney can help sort out who’s at fault and who should pay for your losses.
What happens if I was hit by an uninsured or underinsured driver?
You still have options. If the other driver has little or no insurance, you can file a claim with your own company. Many Florida drivers have uninsured or underinsured motorist coverage. This can pay for medical bills, car repairs, and other costs. Your lawyer can help deal with your insurer if they push back or offer too little.
How long do I have to file a claim after a car accident in Florida?
You have two years to file a personal injury claim. After that, you may lose your right to compensation. The sooner you act, the better. Important evidence can disappear quickly. Talking to a lawyer right after your accident helps protect your case.
Do I have to report every accident to the police in Florida?
Yes, if there are injuries or if the damage looks like it could be $500 or more. Even if the crash seems small, it’s smart to call the police as well as lawful. A report gives you proof of what happened. It can also help with your insurance claim.
Should I talk to the other driver’s insurance company?
It’s better not to. They might try to get you to say something that hurts your case. Even a simple comment like “I’m sorry” can be used against you. Let your Coral Gables car accident lawyer handle those talks. That way, you don’t say anything that could be misunderstood.
What if I don’t feel hurt right after the crash?
Some injuries take time to show up. You might feel okay at first, but symptoms can start hours or even days later. Whiplash, concussions, and soft tissue injuries are common. Always see a doctor after a crash. Medical records help link your injuries to the accident.
Can I file a claim if the accident happened while I was working?
Yes. If you were doing your job when the crash happened, you might qualify for workers’ comp and a personal injury claim. That could mean more help with bills, missed work, and care. These cases can be complex. A lawyer can help you understand what you qualify for.
What happens if the other driver leaves the scene of the crash?
Call the police right away. Try to remember what the car looked like. If possible, get the license plate or any details. You can file a claim through your own uninsured motorist coverage if the driver isn’t found. Your insurance may still cover your losses.
Is Florida a no-fault state, and what does that mean?
Yes. After a crash, your own insurance pays first, even if the other driver was at fault. This is called PIP (Personal Injury Protection). It covers medical bills and lost income up to a limit. If your injuries are serious, you can also sue the at-fault driver for more compensation.
Can I still recover damages if the accident involved poor road conditions?
Yes. If the road was in bad shape and that caused the crash, you may have a claim. The government or a private contractor could be responsible. These cases are harder to prove. There are also short deadlines. It’s important to get legal help right away.
Injured in a crash? Let Madalon Law fight for the compensation you deserve. Our Coral Gables Car Accident lawyers understand what’s at stake—and we’re ready to stand by your side every step of the way.
Don’t wait while medical bills and stress pile up. Don’t wait while medical bills and stress pile up. Our Coral Gables car accident lawyers offer free consultations so you can take the first step toward justice stress-free.
Most people are not aware of how the law works, the rights they have and the amount of compensation they can be entitled to after they have been injured in an accident that was the result of another party’s negligence. The obstacles and confusion that follow an accident and an injury can seem overwhelming.
