Car accidents can be overwhelming and stressful experiences, but knowing what steps to take immediately afterward can help protect your rights and ensure a smoother resolution. Whether it’s a minor fender bender or a more serious collision, here are five key steps on what to do if someone hits your car:
1. Call the Police
The first and most important step after a car accident is to call the police. Not only does this ensure that medical care is provided if necessary, but it also creates an official record of the incident. Understanding your rights is crucial in this situation. You have the right to remain silent and avoid admitting fault. Let the authorities and insurance companies handle the investigation! Remember, any statements made at the scene could potentially be used against you later.
2. Gather Evidence
While waiting for the police to arrive, it’s essential to gather as much evidence as possible. Documenting the scene thoroughly will help support your version of events later! At any accident, it is important to record the following:
- The other driver’s name, driver’s license number, insurance information, address, and phone number.
- License plates of all vehicles involved in the collision.
- Pictures of the accident scene.
- The damage to your vehicle.
- Any visible injuries to you and/or your passengers.
- Names and contact information for any witnesses or bystanders who may have seen the accident; and
- Obtain any official documents, especially police reports.
3. Seek Immediate Medical Treatment
If you or anyone else involved in the accident is injured, seek medical treatment right away. Even if you don’t feel injured at the time, some injuries may not become apparent until later. It’s crucial to get evaluated by a medical professional within 14 days to maximize your Personal Injury Protection (PIP) coverage.
The 14-day rule is established under Florida Statutes § 627.736, which outlines how the state’s recognized no-fault system works. This includes a mandatory 14-day period during which injured parties must seek medical care. When serious injuries occur, the victim often goes directly to the hospital in an ambulance or medevac helicopter, referred to as a Trauma Hawk. There is typically no concern about the 14-day period in cases like these.
However, when injuries are relatively minor, the injured party only has two weeks to see a doctor for diagnosis and treatment. If they do not have their first appointment by the 14th day following the crash, their no-fault auto insurance provider can deny the claim, refusing to pay for the visit and any future care related to injuries from that particular accident.
4. Review Your Insurance Policy
After ensuring everyone’s safety, review your insurance policy to understand what coverage you have. This includes property damage, Personal Injury Protection (PIP), Uninsured/Underinsured Motorist (UM/UIM) coverage, and more. Notify your insurance company about the accident as soon as possible, providing them with accurate and honest information about the incident.
5. What to do if Someone Hits Your Car: Consider Legal Representation
Depending on the severity of the accident and the extent of the injuries and/or property damage, it may be wise to consider hiring a lawyer. Legal representation can help protect your rights and ensure you receive fair compensation, especially if you encounter disputes with insurance companies. At Lipinski Law, we specialize in handling car collision cases and can provide the guidance and support you need during this challenging time. Contact us via our website or call at 561-453-4800 for a consultation.
Remember to follow up with your insurance company, medical providers, and legal representatives to ensure that all necessary steps are taken for an efficient resolution. By following these five key steps, you can navigate the aftermath of what to do if someone hits your car with confidence and peace of mind!
