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Should You Contact Your Insurance Company After a Car Accident?

Mike Damaso Tom Dennis
Written By
Mike Damaso and Tom Dennis
Butch Wooten Orman Kimbrough
Peer Reviewed By
Butch Wooten and Orman Kimbrough
Updated: August 28, 2025

Contacting insurance after car accidentAfter a car accident, victims often feel like they have been thrust into a new world. Amid the chaos of medical treatment and vehicle repairs, you may wonder if or when you should speak to your insurance company. Because Florida is a no-fault insurance state, contacting your insurer after your accident is essential. However, these companies may not have your best interests in mind and may attempt to undervalue your claim. Fortunately, an experienced attorney can negotiate with your insurance company on your behalf to ensure you are compensated fairly for the full extent of your injuries and other losses. 

If you have been injured in a Florida car accident, do not hesitate to reach out to the trusted attorneys at Wooten, Kimbrough, Damaso, and Dennis, P.A.. We understand the stress you are under and can take the burden of navigating your insurance claim off of your shoulders. We have over a century of combined experience helping car accident victims like you secure the maximum compensation available for the damages they have endured. When you partner with us, we will investigate every detail of your accident and fight for the justice you deserve.

 

Speaking With Your Insurance Company After a Car Accident 

Because Florida is a no-fault state, it is essential to contact your insurance company soon after your accident to begin your claim. The no-fault insurance system is designed to compensate victims for their medical bills regardless of who caused the accident. However, you may also be eligible to file a claim against the other driver’s insurance, depending on the circumstances surrounding your case. 

While contacting your insurance company is important, exercising caution when speaking with your adjuster is also in your best interest. Anything you say may be considered an admission of fault for the accident and used to devalue your claim. Additionally, they may ask you to make a recorded statement or sign a low initial settlement offer. These tactics are designed to help insurance companies avoid paying victims compensation for the full scope of their losses. An experienced attorney can help you protect your rights in negotiations with the insurance company so you have the opportunity to recover the maximum amount of compensation available for your claim.

 

How an Experienced Car Accident Attorney Can Help You

Many accident victims find themselves unsure of their next steps as they contend with the physical, emotional, and financial burdens associated with their accidents. Fortunately, a skilled attorney can take the stress of the legal process off your shoulders and fight for justice on your behalf as you heal from your injuries. In addition to speaking with the insurance company on your behalf, we can also help you in the following ways:

  • Conducting a meticulous investigation into your accident
  • Negotiating with all parties
  • Collecting evidence and witness testimonies
  • Filing all paperwork correctly and on time
  • Determining the total value of your claim
  • Answering your legal questions
  • Supporting you through every step of Florida’s complex legal process

We understand that no two accidents or victims are exactly alike and will work tirelessly to provide you with tailored services designed to address your specific needs.

 

Speak With a Seasoned Car Accident Attorney at Wooten, Kimbrough, Damaso, and Dennis, P.A.

Suffering injuries in a car accident can be overwhelming, and navigating the aftermath can feel like an uphill battle. Let the legal team at Wooten, Kimbrough, Damaso, and Dennis, P.A. shoulder that burden for you. With years of experience and a history of favorable outcomes, we are devoted to ensuring you receive the justice and compensation you deserve. 

Contact us today for a free consultation by calling (407) 843-7060 or filling out our contact form.

Wooten, Kimbrough, Damaso & Dennis, P.A.

Legally Written and Reviewed by a Managing Partner

Wooten, Kimbrough, Damaso & Dennis, P.A.

Our content is written and reviewed by our founding attorneys Butch Wooten, Orman Kimbrough, Mike Damaso, and Tom Dennis. Helping the injured since 1966, they’ve successfully handled thousands of personal injury cases across Florida. Whether you’re a Florida resident or an out-of-state visitor injured in Florida, we’re dedicated to providing clear and reliable information to help you navigate your legal options confidently.

Disclaimer: All verdicts and settlements listed here are gross amounts before deductions for attorney fees and costs. Past results do not guarantee similar results in the future. Most cases result in a lower recovery. It should not be assumed that your case will have as beneficial a result. Before choosing a lawyer, ask for written information about the lawyer's legal qualifications and experience.