Before you worry about claims, take steps that protect your health and strengthen your case.
- Get medical care immediately (ER/urgent care or an orthopedics follow-up). Fractures sometimes worsen when delayed.
- Document the scene while it’s still fresh: photos of the area, vehicle positions, visible swelling/bruising, and any hazards.
- Write down the “commute story”: where you were headed, what lane/side you were on, what the other driver did, and how the impact occurred.
- Keep every piece of paper: discharge instructions, imaging reports, prescriptions, physical therapy plans, and work notes.
South Florida insurance claims often hinge on timing and consistency. A fast medical record with a clear symptom timeline helps prevent the “it wasn’t caused by the crash” argument.


