What to Do After a Car Accident in Fort Myers, Florida: A Step-by-Step Guide

What to Do After a Car Accident in Fort Myers, Florida

Being involved in a car accident can be overwhelming. We regularly speak with people in Fort Myers who feel shaken, unsure of what to do next, and worried about making the wrong decision in the hours or days following a crash. While every situation is different, taking the right steps early can help protect your health and give you clarity during an already stressful time.

Below is a practical, step-by-step overview of what to do after a car accident in Southwest Florida.

1. Focus on Safety First

Your safety—and the safety of others—comes first. If anyone is injured, call 911 immediately. Even if injuries appear minor, it is important to have law enforcement respond to the scene.

If it is safe to do so:

• Move vehicles out of traffic
• Turn on hazard lights
• Remain at the scene until help arrives
  

Florida law generally requires accidents involving injuries or significant property damage to be reported.

2. Seek Medical Attention Promptly

Many car accident injuries are not immediately obvious. Adrenaline can mask pain, and symptoms may develop hours or even days later.

We often see delayed symptoms from:

• Whiplash and soft tissue injuries
• Neck and back injuries
• Concussions
• Internal injuries
  

In Florida, Personal Injury Protection (PIP) insurance typically requires medical treatment within 14 days of the accident in order to have full use of your benefits. Seeking prompt care protects your health and helps ensure access to available insurance benefits.

3. Document the Accident Scene

If you are able, gather information at the scene. This documentation can be helpful later when questions arise.

Helpful items include:

• Photos of vehicle damage, skid marks, and debris
• Photos of visible injuries
• The location and road conditions
• Contact and insurance information for all drivers
• Witness names and contact information
  

It is best to avoid discussing fault at the scene. Focus on exchanging information and speaking with law enforcement.

4. Obtain the Police Report

A police report creates an official record of the accident. It often includes details such as:

• Time and location of the crash
• Statements from drivers and witnesses
• Initial observations from the responding officer
  

While a police report does not determine fault on its own, it can be an important piece of the overall picture. Don’t have a police report? No problem. We can help you obtain it.

5. Notify Your Insurance Company

Report the accident to your insurance company as soon as possible. Provide accurate information, but avoid speculating or assigning blame.

Before giving recorded statements or accepting settlement offers from other insurance companies, it can be helpful to understand how those statements may be used. I attend all recorded statements with my clients- you do not have to do this alone.

6. Be Cautious With Early Insurance Offers

Insurance adjusters may reach out quickly after an accident. Early settlement offers often occur before the full extent of injuries is known.

Once a settlement is accepted, it may limit the ability to pursue additional compensation later. Taking time to understand your options can make a meaningful difference.

When to Speak With a Fort Myers Car Accident Attorney

If you were injured, are experiencing ongoing symptoms, or are facing insurance challenges, speaking with an experienced Fort Myers personal injury attorney can help bring clarity and direction.

If you were injured in a car accident in Fort Myers or Southwest Florida, a consultation can help you understand your options and next steps.