What to Do After a Car Accident: A Step‑by‑Step Guide for New York & Florida Drivers

Even the safest drivers can find themselves in a car accident. In the moments afterward, it’s easy to feel overwhelmed—but taking the right steps can protect your safety, your finances, and your insurance claim. As an independent, technology‑forward insurance agency serving New York and Florida, The Michaels Group is here to help you navigate every stage with confidence.

1. Check for Injuries and Call 911

Your safety is the first priority. Check yourself and any passengers for injuries. If anyone is hurt—or if there is significant damage—call 911 immediately. Even minor accidents should be documented with a police report whenever possible.

2. Move to a Safe Location

If the vehicles are drivable and it’s safe to do so, move them to the side of the road. Turn on your hazard lights and stay clear of traffic.

3. Exchange Information

Gather the other driver’s:

• Name and contact information
• Insurance company and policy number
• Driver’s license number
• License plate number
• Make, model, and color of their vehicle

4. Document the Scene

Use your phone to take photos of:

• Vehicle damage (all angles)
• The surrounding area
• Road conditions
• Traffic signs and signals
• Any visible injuries

These visuals are extremely helpful during the claims process.

5. Notify Your Insurance Carrier

Report the accident as soon as possible. Provide all details accurately, but avoid admitting fault until the investigation is complete.

6. Seek Medical Attention—Even If You Feel Fine

Some injuries don’t appear immediately. A medical evaluation helps protect both your health and your claim.

7. Contact Your Independent Insurance Broker

Whether the accident is minor or major, your broker should guide you through the next steps—explaining coverage, helping with your claim, and making sure you’re protected moving forward.

Don’t Have a Broker? We Can Be Your Broker—at No Additional Cost.

If you're not currently working with a broker, you may be missing out on valuable discounts, better coverage options, and personalized guidance that direct carriers simply don’t provide.

The Michaels Group acts as your advocate at no extra cost. Ever. We’ll review your policy, identify savings opportunities, and compare rates across 25+ carriers to make sure you’re getting the best protection—without broker fees.

Need Guidance After an Accident? We’re Here for You.

If you’ve been in a car accident in New York or Florida, don’t navigate the next steps alone. Our team can help you understand your options and ensure your coverage works the way it should.

Contact The Michaels Group today for advice, a policy review, or to have us become your broker at no additional cost.

Your safety comes first—let us help protect the rest.