After a car accident, you're shaken, possibly injured, and overwhelmed. Insurance companies and opposing attorneys know this — and they count on you making mistakes. Here are the seven most damaging errors we see.
Mistake 1 — Leaving the Scene
Leaving the scene of an accident involving injury is a crime in Florida. Stay, call 911, and cooperate with law enforcement.
Mistake 2 — Skipping Medical Treatment
"I feel fine" is the most expensive phrase in personal injury law. Adrenaline masks pain. Whiplash, concussions, and internal injuries may not be immediately apparent. If you don't seek treatment:
- Your injuries may worsen
- Insurance adjusters will argue you weren't hurt
- You may miss the 14-day PIP window entirely
Mistake 3 — Giving a Recorded Statement
Insurance adjusters will call quickly and ask for a "brief recorded statement." You are not required to give one to the other driver's insurer. Anything you say can and will be used to minimize your claim.
Mistake 4 — Accepting the First Settlement Offer
Initial offers are almost always far below full value. They come before your injuries have fully developed, before you've completed treatment, and before you know your long-term prognosis. Once you accept, you cannot reopen the claim.
Mistake 5 — Posting on Social Media
"I'm okay! Just a fender bender" can cost you thousands. Insurance companies monitor social media. Any post inconsistent with your claimed injuries will be used against you.
Mistake 6 — Gaps in Medical Treatment
If you stop treatment before your doctor releases you, adjusters assume you've recovered. Consistent, documented medical care is essential to claim value.
Mistake 7 — Waiting Too Long to Contact an Attorney
Evidence disappears fast. Security footage is overwritten in 24–72 hours. Witnesses forget details. The earlier you involve an attorney, the stronger your case. Gonzalez Munoz Law is available 24/7 — call 305-770-6666.