What to Do After a Car Accident in Jacksonville

No one ever plans to get into a car accident. But in a city like Jacksonville, where the highways are hectic and the side streets don’t cut you any slack, accidents happen. 

One minute you’re heading home from the beach or cruising down I-95, and the next, your world can be turned upside down.

In that split second, adrenaline surges. Your heart races. Time slows down. And then come the questions: Should I call the cops? What if I’m not hurt; do I still need a doctor? Do I have to tell my insurance? And the big one: Am I going to need a lawyer?

We get it. That’s why we’ve created this step-by-step post-accident checklist tailored for Jacksonville drivers. Whether you’re dealing with a minor fender bender or a serious collision, this guide walks you through exactly what to do if tragedy strikes.

We’ll break down Florida-specific laws, what to expect from first responders, how to protect your rights, and when to call for car crash legal advice.

As always, if your accident was caused by someone else’s negligence, you can contact us anytime for a free case evaluation to learn how you can get justice and the compensation you need and deserve to move forward with your life.

Emergency Response Checklist

The first moments after a car accident are very important. Your actions can affect your safety, your health, and your legal rights. Here's your Jacksonville-specific emergency response checklist to help you stay clear-headed and protected.

1. Check Yourself and Your Passengers for Injuries

Before doing anything else, make sure you and your passengers are okay. If someone is unconscious, has severe bleeding, or complains of neck/back pain, avoid moving them unless there's immediate danger (fire or oncoming traffic). Moving an injured person improperly can cause further harm.

2. Move to Safety (If You Can)

If the accident is minor and your vehicle is drivable, Florida law allows and encourages you to move your car out of traffic. This helps avoid secondary accidents and keeps first responders safe. If you can’t move your vehicle, turn on hazard lights and stay inside with your seatbelt fastened until help arrives.

3. Call 911 — Don’t Guess, Just Call

Even if the crash seems minor, it’s usually best to call 911. In Jacksonville, dispatch will determine whether to send police, EMTs, or both. 

• Call 911 if:
  • Someone is injured
  • There’s major vehicle damage
  • You’re blocking traffic or causing a hazard
  • You suspect the other driver is impaired
    
     
• Use the Jacksonville Sheriff's Office Non-Emergency Line (904-630-0500) if:
  • No one is hurt
  • Both vehicles are operable
  • The accident happened on private property

Always err on the side of caution. Police reports help document what happened, and they’re incredibly valuable for any future legal or insurance claims.

4. Stay Calm and Avoid Arguments

Emotions run high after a crash. Try to keep your cool. Don’t argue, apologize, or assign blame at the scene. Anything you say can be used later by insurance companies or lawyers to undermine your claim. Stick to the facts.

5. Check for Hazards

If it’s safe, check the area around you. Are there gas leaks? Is smoke coming from a vehicle? Are there downed power lines? If you see anything dangerous, back away immediately and warn others.

6. Turn on Hazard Lights and Set Up Warning Devices

If you have reflective triangles, cones, or road flares in your emergency kit, use them to alert other drivers, especially at night or in poor visibility conditions.

7. Wait for First Responders

Once police or EMTs arrive, follow their instructions closely. Be honest, but don’t speculate. If you’re unsure whether you’re injured, say so. Some symptoms (like concussions or internal injuries) may take hours to appear.

How to Gather Evidence at the Scene

Evidence collected at the scene can play a crucial role in your claim. Here's how to build a strong foundation for your case:

• Take Photos: Capture damage to all vehicles, road conditions, skid marks, traffic signs, and any visible injuries.
• Get Witness Statements: Ask witnesses for their names and contact information. A short video or audio statement can also be helpful.
• Document Location Details: Note the time, location, weather, and traffic conditions.
• Exchange Information: Collect the other driver's name, license number, license plate, insurance info, and make/model of their vehicle.
  
   

Filing a Crash Report in Jacksonville

Under Florida Statute § 316.066, a written crash report must be filed with law enforcement within 10 days if the accident involves:

• Injury or death
• Property damage over $500
• A hit-and-run
• A DUI

If officers respond to the scene, they will usually complete this report for you. Be sure to obtain a copy of the police report, which you may need when filing an insurance claim or lawsuit.

Florida-Specific Reporting Laws

Florida is a no-fault state, meaning each driver’s insurance covers their own injuries regardless of fault. However, serious injury claims can be pursued against the at-fault driver.

Key Florida laws to know:

• PIP Coverage: Personal Injury Protection (PIP) covers up to $10,000 in medical bills and lost wages.

• 14-Day Rule: You must seek medical treatment within 14 days to qualify for PIP benefits.

   

What to Expect From First Responders

If 911 is called, arriving police officers will assess the scene, take statements, and file a crash report. Paramedics will evaluate you and others for injuries. Always accept medical care—even if you feel okay.

Firefighters may also be dispatched if there is a risk of fire or hazardous materials.

Be respectful and truthful. First responders are trained to handle these situations and will prioritize your safety.

Immediate Medical Steps to Take

Even if you feel fine, adrenaline can mask serious injuries. Always seek medical care as soon as possible, preferably within 24 hours.

Watch for these symptoms:

• Neck or back pain (possible whiplash or spinal injury)
• Headaches or dizziness (possible concussion)
• Abdominal pain (possible internal bleeding)

Remember:, Florida’s 14-day rule applies. Delaying care could jeopardize your insurance benefits and injury claim.

Reporting to Your Insurer

You must report the accident to your insurer as soon as possible, ideally within 24 hours. Here’s what to do:

• Provide Basic Details Only: Where and when it happened, number of cars involved, injuries reported.
• Avoid Admitting Fault: Even apologizing can be used against you later.
• Ask About PIP: Clarify what your Personal Injury Protection covers.

Your insurer may request a statement. It's okay to delay until you've spoken to a lawyer.

Mistakes to Avoid After an Accident

Many drivers unknowingly hurt their chances of recovery by making simple mistakes. Here are the biggest ones to avoid:

• Leaving the Scene (hit-and-run penalties are severe)
• Admitting Fault at the scene or to insurers
• Failing to Call the Police, even for minor accidents
• Posting on Social Media about the crash
• Skipping Medical Treatment
• Accepting a Quick Settlement from the other party’s insurer
  
   

Seeking Legal Help in the First 24 Hours

Early legal representation can make all the difference. At Morgan & Morgan, we’ve handled thousands of Jacksonville car accident cases and helped victims recover the compensation they deserve.

You should contact a lawyer within 24 hours if:

• You were seriously injured
• Fault is disputed
• The other driver is uninsured
• Your PIP won’t cover all your medical expenses
• You’re unsure what to say to insurers

We offer free case evaluations and only get paid if we win your case. Let our experienced Jacksonville attorneys protect your rights from day one.

Frequently Asked Questions

What steps should I take immediately after a car accident?

In the aftermath of an accident, always prioritize your health and safety. Move to a safe location, check for injuries, and call 911 if needed. Exchange info with the other driver while you wait for first responders, but don’t say anything other than facts.

Take photos and gather witness info. All of this can be used as evidence in a personal injury claim.

Next, report the crash to your insurer and the police. And before signing anything, admitting fault, or accepting a settlement, contact Morgan & Morgan to make sure someone is fighting for everything you deserve.

 

Should I call the police after a minor accident in Jacksonville?

Yes. Even minor crashes should be reported to police to create an official crash report. This protects your legal and insurance rights.

When should I seek medical attention?

Immediately. Even if you feel okay, some injuries show up hours or days later. Seeing a doctor also ensures compliance with Florida’s 14-day PIP rule.

How do I document the accident scene?

Use your smartphone to take photos of:

• Vehicle damage
• License plates
• Road signs and traffic signals
• Injuries
• Witnesses (with consent)

Also write down the time, location, and weather conditions.

What should I not say to insurance companies?

Avoid phrases like “I’m sorry” or “It was my fault.”

Stick to the facts and avoid giving a recorded statement without legal guidance.

Do I need to report the accident to the DMV?

No. In Florida, crash reports are filed with law enforcement, not the DMV. However, your insurer will often handle required notifications.

Should I hire a lawyer right away?

Yes, especially if you have significant injuries, fault is being contested, or the insurance company is pressuring you to settle.

Early legal advice ensures your claim is handled correctly and maximizes your compensation.

What info should I collect from the other driver?

Here’s a quick list of what to get:

• Full name
• Phone number
• Driver’s license number
• Insurance provider and policy number
• Vehicle make, model, and license plate
  
   

How soon should I file a claim?

Ideally, within 24–72 hours. Check your insurance policy for deadlines. Prompt filing avoids delays or denial of coverage.

Morgan & Morgan Can Help

If you or a loved one has been involved in a car crash in Jacksonville, don’t try to navigate the legal process alone. Insurance companies often try to minimize payouts or deny valid claims, but we fight back.

At Morgan & Morgan, we have decades of experience and billions recovered for our clients, and we know what it takes to win.

Contact us 24/7 for a free, no-obligation case evaluation to learn more about your legal options. The Fee Is Free®, and you pay nothing unless we win your case.