What Should I Do If An Animal Caused A Car Accident In Florida?

23 July 2022

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Car accidents can be a frightening experience, especially when they involve an unexpected factor like an animal. In Florida, where wildlife and domestic animals are abundant, it's not uncommon for drivers to encounter situations where an animal suddenly crosses the road, leading to an accident. If you find yourself in this unfortunate situation, knowing what steps to take is crucial for your safety and legal protection. This guide will walk you through the necessary actions to take if an animal caused a car accident in Florida, while also exploring the legal implications and insurance considerations.

Immediate Steps to Take After the Accident

Ensure Safety First
Your safety and the safety of any passengers should be your top priority. If the accident is minor and your vehicle is still operable, carefully pull over to the side of the road. Turn on your hazard lights to alert other drivers and avoid further collisions.
Check for Injuries
After securing your vehicle, check yourself and your passengers for any injuries. Even if injuries seem minor, it's essential to seek medical attention, as some injuries may not be immediately apparent due to the adrenaline rush.
Contact Law Enforcement
In Florida, you are required to report any accident that results in injury, death, or property damage exceeding $500. Contact the local law enforcement authorities to report the incident. They will file an official report, which may be necessary for insurance claims and legal proceedings.
Document the Scene
Documentation is key to protecting yourself legally and financially. Take clear photos of the accident scene, including the animal involved, vehicle damage, and any relevant road conditions. If there are witnesses, gather their contact information and statements.
Do Not Approach the Animal
If the animal is still present at the scene, do not attempt to approach or move it. Wild animals can be dangerous, and even domestic animals may act unpredictably when injured. Instead, inform the authorities about the animal's location.

Legal Implications in Florida

Florida law has specific provisions regarding car accidents caused by animals, depending on whether the animal is wild or domesticated.

Wild Animals
Florida is home to various wild animals, including deer, alligators, and bears. If a wild animal causes a car accident, the state generally does not hold anyone liable for the damage. In such cases, your own insurance will likely cover the costs under your comprehensive coverage.
Domestic Animals
If a domesticated animal, such as a dog or livestock, causes an accident, the owner of the animal may be held liable for any damages or injuries. Florida law requires pet owners to keep their animals under control and prevent them from roaming freely on public roads. If negligence can be proven, such as a failure to secure a pet, the owner may be responsible for compensating the affected parties.
Hit-and-Run Cases
If the animal involved in the accident is domestic, and the owner flees the scene without providing information, it could be considered a hit-and-run. In such cases, you should report the incident to the police immediately, as hit-and-run accidents are treated seriously under Florida law.

Insurance Considerations

Comprehensive Coverage
Comprehensive auto insurance covers damage to your vehicle caused by non-collision events, including accidents involving animals. If you have comprehensive coverage, your insurance should cover the repair costs, minus your deductible. It's essential to report the accident to your insurance company as soon as possible and provide them with the police report and any documentation you gathered.
Liability Insurance
If the accident was caused by a domestic animal and the owner is identified, their liability insurance may cover your damages. In Florida, pet owners are encouraged to have liability coverage as part of their homeowner’s or renter’s insurance to protect against such incidents.
Uninsured Motorist Coverage
In some cases, the owner of the domestic animal may not have adequate insurance or may be uninsured. In these situations, your uninsured motorist coverage may help cover your costs. This type of coverage is optional in Florida but is highly recommended for additional protection.
Filing a Claim
When filing an insurance claim, ensure that you provide all necessary documentation, including the police report, photos of the scene, and any medical records if injuries were sustained. Be clear and concise in describing the accident, and cooperate fully with your insurance adjuster.

Preventing Animal-Related Accidents

While not all animal-related accidents are avoidable, there are steps you can take to reduce your risk:

Stay Alert While Driving
Especially in rural or wooded areas, stay vigilant for animals that may dart onto the road. Slow down in areas marked with wildlife crossing signs.
Use High Beams at Night
Using your vehicle’s high beams can help you spot animals from a distance, giving you more time to react. However, be sure to dim your lights when approaching other vehicles.
Avoid Swerving
If an animal suddenly appears in front of your vehicle, it may be instinctive to swerve. However, this can lead to losing control of your car or hitting another vehicle. Instead, brake firmly while keeping your steering wheel straight.
Honk Your Horn
If you see an animal near the road, honking your horn can scare it away and prevent it from entering your path.

Conclusion

Car accidents involving animals can be both traumatic and complicated, especially in a state like Florida, where wildlife is abundant, and domestic animals are common. Knowing what to do if an animal causes an accident is essential for your safety and legal protection. By following the steps outlined in this guide, including ensuring safety, contacting law enforcement, and understanding the legal and insurance implications, you can navigate this challenging situation more effectively. Remember, staying informed and prepared can make all the difference in protecting yourself and your passengers on the road.