Car accidents are increasing across Central Florida, and drivers are seeing the impact every day — heavier traffic, more distractions, and more serious crashes on roads that were once routine. From I-4 and the Florida Turnpike to local intersections, collisions are happening more frequently and with greater consequences.
According to data from the Florida Department of Highway Safety and Motor Vehicles (FLHSMV), Florida consistently ranks among the states with the highest number of motor vehicle crashes each year. Central Florida, with its rapid population growth and tourism traffic, remains a hotspot for serious accidents.
If you’ve been involved in a crash, what you do next matters. The decisions made in the hours and days following an accident can directly affect your health, your finances, and your ability to recover compensation.
Why Car Accidents Are Increasing in Central Florida
Several factors are contributing to the rise in crashes across the region:
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Population growth and traffic congestion
Central Florida continues to grow, placing more drivers on already crowded roadways. The Florida Department of Transportation has repeatedly identified congestion as a major contributor to crashes across the region.
(Source: Florida Department of Transportation – Traffic Safety) -
Distracted driving
The National Highway Traffic Safety Administration reports that distracted driving remains one of the leading causes of preventable crashes nationwide, with cell phone use playing a significant role.
(Source: National Highway Traffic Safety Administration – Distracted Driving) -
Tourism and unfamiliar drivers
Millions of visitors travel through Central Florida each year. Drivers unfamiliar with local roads often make sudden stops, miss exits, or hesitate in high-speed traffic. -
Speeding and aggressive driving
Post-pandemic driving behavior has shown increased speeding and aggressive maneuvers, which significantly raise the risk of severe injuries.
(Source: NHTSA – Speeding and Aggressive Driving)
The result is more frequent accidents — and more life-altering injuries — across Orange, Seminole, Osceola, and surrounding counties.
What to Do Immediately After a Car Accident
If you’re involved in a crash, take these steps as soon as it’s safe:
1. Seek Medical Attention
Even if you feel “fine,” injuries such as concussions, soft-tissue damage, and internal injuries may not show symptoms right away. Delaying treatment can harm both your health and your claim.
2. Call Law Enforcement
A police report creates an official record of the accident, which is critical when dealing with insurance companies or pursuing a claim.
3. Document the Scene
If possible, take photos or videos of:
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Vehicle damage
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Road and weather conditions
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Traffic signs or signals
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Visible injuries
Also collect contact information from witnesses.
4. Limit What You Say
Avoid admitting fault or speculating about what caused the crash. Statements made at the scene or to insurance adjusters can be used against you later.
Why Insurance Companies Act Quickly After a Crash
Insurance companies often contact accident victims within days — sometimes hours — of a collision. While this may seem helpful, their primary goal is often to minimize payouts, not protect your long-term interests.
Common tactics include:
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Requesting recorded statements early
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Offering fast but low settlement amounts
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Downplaying medical treatment or future care
Once a settlement is accepted, you typically give up the right to pursue additional compensation — even if your injuries worsen.
Florida’s No-Fault Insurance System Has Limits
Florida’s no-fault system requires drivers to first turn to their own Personal Injury Protection (PIP) coverage. However, PIP benefits are limited and often insufficient for serious injuries.
Many accidents qualify for claims beyond no-fault insurance, especially when injuries involve permanent damage, significant medical costs, or lost income. Understanding whether your case qualifies is critical — and often misunderstood by accident victims.
(Source: Florida Statutes §627.737 – No-Fault Threshold)
When Legal Guidance Can Make a Difference
Not every accident requires legal action — but many do, particularly when injuries, lost wages, or long-term consequences are involved.
An experienced Central Florida personal injury attorney can help:
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Evaluate the true value of your claim
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Handle communication with insurance companies
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Preserve evidence and documentation
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Protect you from costly mistakes
At Bogin, Munns & Munns, our Personal Injury team has spent decades helping Central Florida drivers navigate the aftermath of serious car accidents with clarity, strategy, and results.
What Central Florida Drivers Should Remember
Car accidents are becoming more common — and more complex — across Central Florida. The steps you take immediately after a crash can impact your recovery long after the vehicles are cleared from the road.
Being informed, cautious, and proactive can make a meaningful difference.
Get Answers Before You Decide What’s Next
If you were injured in a car accident in Central Florida, the steps you take now matter. Insurance companies move quickly — and their interests are not the same as yours.
The Personal Injury attorneys at Bogin, Munns & Munns help accident victims understand their rights, deal with insurance companies, and pursue the full compensation they may be entitled to.
📞 Contact Bogin, Munns & Munns today for a free consultation and get clear guidance before making any decisions about your claim.
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