Just Had a Car Crash in Florida? Start Here.

Take a breath. You’re going to get through this. Below is exactly what to do tonight, tomorrow, and this week, in plain English, in the order that matters. If you’d rather just talk to someone, call us at (352) 394-2103. The first conversation is free, takes about five minutes, and you’ll know more about your options than 95% of people in your situation.

352-394-2103

Deep Breath Now

A car crash is disorienting. You might be hurting, you might not even feel hurt yet (adrenaline is doing that), and there are suddenly a hundred small decisions in front of you: insurance, doctors, work, the car, your kids, money. It’s a lot. And most of it can wait until tomorrow.

This page walks you through what to do tonight, what to do tomorrow, and what to do this week. None of it costs you anything. If you want help with any of it, we’re a phone call away.

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What To Do First

Tonight: Rest, Document, Don’t Panic

Tonight is short. Here’s what matters in the next few hours.

Get checked out: at the ER, urgent care, or your doctor.

If you have anything more than the smallest scrape, see a medical professional today. Adrenaline masks injuries. Whiplash, concussions, internal injuries, they often don’t surface for hours. If you’re hurting at all, do not “wait and see.” Tell the provider it was a car crash, so it goes in your medical record.

Write down what you remember.

Open a note on your phone right now and dump everything you remember about the crash: time, weather, where you were going, what you saw, what you heard, what the other driver said. Memories get fuzzy fast. Future you will be grateful.

Save your photos and the crash report number.

Back up every photo you took at the scene. Find the crash report number on the paper the officer gave you (it’s called a Florida Traffic Crash Report). The full report typically becomes available online in 10 business days at the FLHSMV crash report portal.

Notify your own insurance: keep it short.

Call your own carrier and tell them the basics: when, where, and that you were in a crash. Do not speculate about fault. Do not say “I’m fine.” “I’m sore and going to see a doctor” is a better answer than “I’m okay.”

Don’t post about it on social media.

Tonight is not the night for a Facebook update about your bad day. Insurance carriers and defense attorneys read public profiles. Anything you post can be used to argue you’re not really hurt.

Sleep if you can

Everything else is tomorrow’s problem. Drink water, take care of yourself, and rest.

The “Tomorrow” Checklist

Tomorrow: See a Doctor, Call Your Insurance, Call Us

Tomorrow is when you put the pieces in motion. Three things matter.

Step 1: Get to a doctor if you haven’t already

Florida law requires you to seek medical care within 14 days of a car crash to access your Personal Injury Protection (PIP) benefits, up to $10,000 of medical bills and lost wages your own insurance pays regardless of fault. Most people don’t know this rule. Miss the deadline and the $10,000 goes away. Don’t wait. Even if you feel okay, get evaluated. Especially if your neck is stiff, your head hurts, your ribs ache, or you feel “off.”

Step 2: Get a copy of the crash report (or know how to find it)

The Florida Traffic Crash Report is usually available within 10 business days at the FLHSMV crash report portal. It contains the officer’s narrative, a diagram of the crash, and a notation of contributing factors. This is the foundational document for everything that follows.

Step 3: Call us, even if you’re not sure you need a lawyer

The first call is free, no commitment, and short. We’ll listen, ask a few questions, and tell you honestly whether you need an attorney. Many crashes don’t require legal representation. Some absolutely do. The earlier you find out which yours is, the better.

The “This Week” Checklist

This Week: Protect Your Claim

This is the week to make decisions about evidence, statements, and money. Here’s what matters.

They’ll call. They’ll be polite. They’ll ask for a “quick recorded statement so we can move forward.” You are under no legal obligation to give one. Anything you say will be used to reduce your claim. Politely decline. If you have an attorney, refer them. If you don’t, simply say “I’m not prepared to give a statement at this time.”

Insurance carriers often make a quick first offer to close cases before injuries fully present. Soft-tissue injuries can take weeks to develop. Brain injuries can take months. Once you sign a release, the case is closed, even if your symptoms get worse. Wait until your medical picture is clear.

Medical bills. Insurance EOBs. Pharmacy receipts. Mileage to and from appointments. Paystubs showing missed work. Rental car receipts. Repair estimates. A folder on your phone or a shoebox is fine.

Damaged car seat. The clothes you were wearing if they’re torn or stained. Any physical evidence from the scene. Sometimes it matters; better to keep and not need than need and not keep.

Get a written note from your doctor restricting your work. Tell your employer in writing and keep a copy. If you’re self-employed, document lost contracts or canceled appointments.

The Practical Questions You’re Probably Asking

Most people leaving a crash scene aren’t worried about case law. They’re worried about money, work, the car, and how this is going to affect their family. Here’s the plain-English version.

Who pays my medical bills?

In Florida, your own car insurance pays first, regardless of fault, up to $10,000 in Personal Injury Protection (PIP). That covers 80% of medical bills and 60% of lost wages. After PIP runs out, depending on your injuries and the at-fault driver’s insurance, you may have a claim against the at-fault driver’s bodily injury coverage. If you have health insurance, it can fill gaps; we coordinate so you’re not bouncing between carriers.

Am I going to lose my job?

Florida is an at-will state, so an employer can technically terminate you at any time, but a thoughtful employer usually won’t fire someone injured in a car crash, and if your injury is serious, you may have protections under FMLA, the ADA, or workers’ compensation (if the crash happened during work). We can talk through your specific situation.

How am I going to pay rent if I can’t work?

PIP covers 60% of lost wages up to your policy limit (typically the $10,000 PIP total, including medical). If you have short-term disability through work, you may qualify. If your injuries are serious, a settlement will eventually include lost wages and lost earning capacity. We can talk through bridge-financing options some clients use to cover the gap; we never push them, and we tell you the real cost when they make sense.

How much is this going to cost me?

Nothing up front. We work on contingency. You pay no fee unless we win, and we advance every cost, including medical records, expert fees, filing fees, and depositions. If we don’t recover anything, you owe us nothing. Period.

What happens to my car?

Your insurance handles the car. Property damage is a separate claim from your injury claim, and it usually resolves faster. If your car is totaled, you’re entitled to actual cash value (what a comparable car was worth before the crash) plus, often, diminished value. If you’re in a rental, your policy may pay for it; if the other driver was at fault, theirs should.

How long is this going to take?

It depends on the severity of your injuries. Minor cases can settle in a few months. Serious injury cases take 12–18 months. Cases that go to trial take 18–24 months. The biggest factor: how long it takes you to reach maximum medical improvement. We don’t push you to settle before that point; the case isn’t worth what it should be until then.

Speak To A Personal Injury Attorney

If you’ve been injured in an auto accident, contact BCN Law Firm today for a free consultation. We will review your case, answer your questions, and help you determine the best course of action to pursue compensation.

352-394-2103

Meet Our Dedicated Attorneys

Legal Team Ready to Fight for Your Rights

Wade Boyette, J.D., LLM.

Partner

Bankruptcy, Estate Planning, Foreclosure Defense, Probate

Wade Boyette, J.D., LLM, was born in Estill, South Carolina, in 1967 and has been a prominent figure in Lake County since 1994.

Heath B. Nailos, J.D.

Partner

Auto Accidents, Personal Injury

Heath B. Nailos, J.D. was born in 1969 in Atlanta, Georgia, and has resided in Florida since 1978. He received his B.A. in History from the University of South Florida in 1992 and his J.D. Degree from Stetson University College of Law in 1995.

Kristin Cummins Nailos, J.D.

O.F. Counsel

Real Estate

Mrs. Nailos has practiced law in Central Florida since 1996, and is a member of The Florida Bar, and the Lake County Bar Association and is admitted to practice in the Middle District of Florida and all State Courts in Florida.

Ken Costello, J.D.

Partner

Bankruptcy, Estate Planning, Foreclosure Defense, Probate

Ken Costello is an associate at Boyette, Cummins & Nailos, PLLC. His practice focuses on real estate, civil litigation, bankruptcy, debt defense, estate planning and probate.

Michelle C. Bottex, J.D.

Attorney

Criminal Law, Family Law

Ms. Bottex earned a Bachelor of Arts degree in Business Administration from Stetson University and Master of Arts degree in Human Resources Development from Webster University.

Norman C. Cummins, J.D.

Legacy Partner

Was born in 1938 in Louisville, Kentucky. He received his Bachelor of Science in Business Administration from the University of Alabama in 1963 and a J.D. Degree from the University of Alabama in 1967.

Travis J. Stulz, Esq.

Attorney

Business Law, Estate Planning, Probate, Real Estate

Travis J. Stulz is a seasoned Florida personal-injury attorney representing clients across Central Florida, including Orlando, Winter Garden, Clermont, Ocoee, and The Villages.

Meet All Attorneys

5-Star Reviews from Satisfied Clients

Our Clients Appreciate Our Dedication and Expertise

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David Kelly

3 weeks ago

If you want an attorney who will actually meet with you face to face, BCN does that. If you want to be kept informed and in the loop throughout your case, BCN does that too. If you want to regret your choice of attorney, go with one of the other guys — because you won’t find that at BCN. BCN treats you like family while maintaining the professionalism and attention you deserve. Heath Lynette and the team are top-notch, knowledgeable, and always willing to listen and guide you in the right direction. From the welcoming facilities to the personal attention they give every client, BCN stands above the rest. If you need legal help, do yourself a favor and check them out.

Anthony Monteleone

1 month ago

Travis Stulz and his team were amazing to work with. His responsiveness and level of knowledge far exceeded my expectations. I was very happy with the resolution of my case and would reach out to his firm for any future needs. Thanks Travis!

Jessica Siefert

1 month ago

Travis and Sandy (Paralegal) were extremely helpful in my car accident case. I never worried about a thing and they worked very hard to advocate for me with my insurance company. Highly recommend for total peace of mind.

Dennis patriot

1 month ago

I cannot overstate my positive experience with Boyette, Cummins & Nailos, LLC. Mr. Stultz handled my case with the highest level of professionalism. Mr. Stultz always ensured I was informed with the status of the proceedings and delivered on the settlement.

charles dizenzo

2 months ago

Just excellent! They listen to my questions, then answered in a clear detailed response. I would recommend this firm to anyone.Just a satisfying experience.

Denise Minissale

2 months ago

I just had a Will, POA, and Living Will completed with BCN. My Attorney was Wade Boyette. He was very patient and thorough explaining the process and all the "Legaleez" ! I trust them with everything they did for me. I highly recommend them!

Maria Friscia

3 months ago

Atty Boyette was professional, informative, he explained everything in detail and simple terms so we could understand it. We will continue using him for our estate planning and any other future needs Thank you Christopher and Maria

Carol Hackman

3 months ago

Very professional, knowledgeable, and friendly. Quick, efficient, reasonably priced. I highly recommend.

Marianne Hoffman

4 months ago

Wade Boyette and his staff are very professional yet welcoming. They listen to my needs and get the done well!

Michael Williams

4 months ago

Most professional and understanding law firm i have used in a long time. Wade walked me through what I needed to understand and answered all of my concerns with reassurance. I highly recommend the services of the BCN Attorneys!

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Quick Questions

Quick Answers for the First Week After a Crash

Yes, or at least to urgent care. Adrenaline masks injuries for hours after a crash. Internal injuries, concussions, and soft-tissue damage often don’t show until later. Going to a doctor today creates the medical record your claim depends on, and it protects your access to your $10,000 in Florida PIP benefits, which requires medical care within 14 days.

Florida PIP pays 80% of medical bills regardless of fault, with up to $10,000 in coverage that every driver carries. Many doctors will treat car crash victims on a “letter of protection” that defers payment until your case settles. Don’t avoid medical care because you’re worried about the cost; we can help you find providers who accept letters of protection.

No. You are under no obligation to give a recorded statement to the other driver’s carrier. They will be polite and persistent. Politely decline. “I’m not prepared to give a statement at this time” is a complete answer. (Your own carrier is different; you generally owe them prompt notice and basic cooperation.)

Sooner than most people think. Surveillance video gets overwritten within days. Adjusters call within hours. Statements can be given that can hurt your case. The first call is free and short. Even if you ultimately don’t need an attorney, you’ll know more about your situation in five minutes than most people figure out in five weeks.

Talk to us anyway. Florida’s modified comparative negligence rule lets you recover damages if you’re 50% or less at fault, and the analysis of who’s at fault is usually more complicated than what felt obvious at the scene. Carriers regularly assign too much fault to the injured party. Get a second opinion before you accept that you have no claim.

You may still have a claim through your own Uninsured Motorist (UM) coverage. About 1 in 5 Florida drivers has no bodily injury coverage; UM exists for exactly this scenario. Look at your insurance declarations page; if it lists UM or UIM coverage, you have something to work with. If you don’t see UM on your declarations, call us anyway; there may still be options.

Yes, and passengers are usually in a strong position. You can typically claim PIP from the vehicle you were in, bodily injury coverage from any at-fault driver (including the driver of your own car if they were partially at fault), and your own household UM coverage if applicable.

That’s the rule, not the exception. Whiplash, concussions, and disc injuries commonly take 24–72 hours (sometimes longer) to develop. As soon as symptoms appear, see a doctor and tell them it was a car crash. Document the timeline. Late-emerging injuries are routinely undervalued by carriers, but they are legitimate and compensable.

No. Calling an attorney has no effect on your insurance rates. Florida law also prohibits carriers from raising your rates solely because you filed a claim for a not-at-fault accident.

Nothing. The first call is free, takes five minutes, and there’s no obligation. If you decide to hire us, we work on contingency, no fee unless we win, no costs you have to advance. If we don’t recover, you owe nothing.

Why Choose Us

Why Injured Central Florida Drivers Choose BCN Law Firm

Decades of Florida auto accident experience

We’re not a TV firm. Our attorneys live, drive, and litigate in Lake and Sumter Counties. We know the judges, the local adjusters, and the defense bar.

No fee unless we win

Free initial consultation. We advance case costs (records, experts, filing fees, depositions). If we don’t recover, you owe nothing.

You talk to your attorney, not an intake worker

Not a screening clerk. Not a paralegal you’ve never met. The attorney working your case is the one you call.

Two local offices — and we come to you

Clermont and The Villages. If you can’t drive (and many crash victims can’t), we come to your home or hospital.

We know the Florida insurance maze cold

PIP, BI, UM/UIM, MedPay, stacked vs. non-stacked, bad faith. We pull every policy, layer them properly, and make sure no carrier escapes when they shouldn’t.

A full firm behind your case

When an auto accident creates other legal needs, bankruptcy from medical debt, estate planning after a wrongful death, or a lost business income claim, our attorneys in those areas are down the hall.

Where We Serve

Central Florida Communities We Represent

Two offices, five counties, and clients across the I-75 and Florida Turnpike corridors. If you’ve been injured anywhere in Central Florida (or anywhere across the state of Florida), we’ll come to you when you can’t come to us.