As Thanksgiving approaches, many Floridians and visitors alike travel to be with family and friends. Unfortunately, the high volume of vehicles on the roads can lead to an increase in traffic accidents, especially on major highways like Interstate 75 (I-75) and Interstate 275 (I-275). Thanksgiving week is notorious for traffic congestion, but it’s also when the chances of accidents are significantly higher. With more people on the road, the risk of rear-end collisions, lane changes gone wrong, and other common accidents grows.
Both I-75 and I-275 are heavily trafficked, making them prime locations for Thanksgiving week accidents. The peak travel period often leads to congested conditions where drivers are forced to make split-second decisions. However, understanding the common causes of accidents, knowing the steps to take after a crash, and preparing for potential claims can help reduce stress and expedite the recovery process.
The Risks of Driving on I-75 and I-275 During Thanksgiving Week 
Traffic on I-75 and I-275 surges during the holiday season, especially in and around Hillsborough County, where major events and family gatherings contribute to the rise in car accidents. The holiday travel period involves families driving long distances to reach relatives, which means unfamiliar drivers are often navigating Florida’s highways. The added stress of trying to make it to a destination on time often leads to unsafe driving practices such as speeding, tailgating, and improper lane changes.
It is important to note that the weather can also contribute to the hazards. Florida is known for its rainy season, and poor weather conditions can make roads slippery and difficult to navigate. A holiday that’s supposed to bring joy and togetherness can quickly turn into a stressful situation when an accident occurs. In these cases, understanding how to handle the aftermath of a crash can make all the difference.
Founding Attorney Attorney Attorney
Michael Serrano
Candace “Cea” Hartley
Molli Gard, ESQ.
Handling Personal Injury Protection (PIP) After an Accident
One of the first things to address after an accident on I-75 or I-275 is your Personal Injury Protection (PIP) coverage. Florida is a no-fault state, meaning that regardless of who caused the accident, drivers are responsible for their own injuries. PIP insurance covers medical expenses, lost wages, and even certain other costs associated with an accident, regardless of fault. However, it’s important to understand how to properly file a claim and gather all necessary documentation.
Seek Immediate Medical Attention
Even if you don’t think you were injured in the accident, it’s important to seek medical attention. Sometimes, injuries such as whiplash or internal trauma might not show symptoms immediately, but can lead to severe complications later. Florida law requires that you seek treatment within 14 days of the accident in order to be eligible for PIP benefits. This time-sensitive requirement makes it vital to visit a doctor or go to the emergency room right after the accident to ensure your medical expenses are covered.
Notify Your Insurance Provider Promptly
Once you’ve attended to your medical needs, the next step is to notify your insurance company. You will need to file a claim for PIP coverage, and your insurer will require details about the accident, your injuries, and any medical treatment you’ve received. The sooner you contact your insurer, the faster your claim can be processed. Keep a record of all communication with your insurance company and the documents you submit. This will help you keep track of your case and avoid delays.
Mike Serrano’s law office was everything I needed after a very traumatic accident. He was always super up front and honest with me. I never got the feeling he was trying to sell me on something or to do something that I wasn’t comfortable with. He listened to my concerns and when it tough moments came that I needed to stand my ground. He backed me and made me feel 100% secure. He got me exactly what I needed in a settlement and I would never consider using anyone else. His office staff is also phenomenal.” - Mary Mike Serrano was a great attorney for my case!! He was very flexible with phone calls/ Zoom meetings. His staff are always friendly, whether it be on the phone or emails. They keep you updated during your entire case! They don’t leave you silent for months. if you call, they always call back with updates! Highly recommend!" - Kylie Collier Border I’ve never had to deal with a lawyer before but Mike has set the bar HIGH. He was always available to communicate my concerns and explain each step of the way. I know no other lawyer would have been able to achieve the same results because he jumped on an opportunity that was a little out of the ordinary and it paid off. He really fought for my case and over delivered. I really hope I never have another accident but if I do I’m running to Mike for help." - Sandy Carter
Document Everything
Thorough documentation is key when filing a PIP claim. This includes obtaining the police report, taking photos of the accident scene and your vehicle, and keeping records of all medical treatments, prescriptions, and bills related to the accident. Your PIP claim will depend on the evidence you provide, so it’s important to collect as much relevant information as possible.
What to Do About Property Damage
While handling medical claims is one part of the process, dealing with property damage is another critical step. In a busy week like Thanksgiving, property damage claims tend to pile up quickly, and getting the necessary repairs done can be difficult if the process isn’t handled correctly.
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Document the Damage to Your Vehicle
Taking pictures of all visible damage to your vehicle should be one of the first steps after the accident. These photos can be crucial when submitting your property damage claim to your insurance company. Make sure you document damage to both the interior and exterior of your car. If your car is not drivable, make sure the photos also show the location of the car and any contributing factors to the crash, such as debris or skid marks.
Get a Police Report
If law enforcement responds to the scene, they will file an official police report that can be incredibly helpful when making a property damage claim. A police report will include essential details about the crash, such as the location, the involved parties, and any contributing factors that may have caused the accident. Having a police report helps clarify the circumstances and can strengthen your claim if there are disputes about liability.
Filing the Claim with Your Insurer
Once you’ve collected all the necessary evidence, it’s time to file your claim with your insurance company. The insurance adjuster will review the evidence, assess the damage to your vehicle, and determine whether your policy covers the repairs or replacement. If your car is deemed a total loss, your insurer will offer a payout based on its assessed value.
If you have collision insurance, your policy may cover the cost of repairs or replacement. If the other driver is at fault, their insurance may be responsible for covering the damage. Keep in mind that there may be deductibles or policy limits that could impact how much your insurer covers.
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Steps to Take When Renting a Car After an Accident
If your vehicle is not drivable after an accident, renting a car becomes an immediate necessity. Fortunately, your insurance policy may cover rental car expenses while your vehicle is being repaired. Here’s how to make sure you’re properly covered when renting a car.
Check with Your Insurance Provider
Before you rent a car, check with your insurance provider to determine if rental car coverage is included in your policy. Many Florida car insurance policies offer rental reimbursement coverage as an add-on, meaning the insurer will pay for a rental car while your vehicle is in the shop. If your policy includes this coverage, your insurer may provide a daily limit on rental expenses.
Review Rental Car Insurance
Even if your personal insurance covers rental cars, it’s important to review the insurance options offered by the rental agency. Most rental companies provide their own insurance coverage, which can help protect you in the event of an accident while driving the rental car. However, be sure to check the specifics of the coverage, including any deductibles, exclusions, and limitations.
Select the Right Vehicle
Choosing a rental car that fits your needs is an important part of the process. You may need a car that’s similar to your own vehicle in terms of size and features, especially if you have a family or need a car with ample trunk space. Consider the length of time you will need the car, as well as the rental costs. Be mindful of any additional charges that may apply, such as insurance, taxes, and fees.
How Serrano Law Can Help
Navigating the aftermath of an accident can be overwhelming, especially during a busy holiday week like Thanksgiving. From filing PIP claims to dealing with property damage and rental cars, there are many steps involved. If you’ve been involved in an accident on I-75 or I-275, you don’t have to go through the process alone.
At Serrano Law, we offer free consultations to help you understand your rights and options. Our experienced attorneys can guide you through the complex process of insurance claims, property damage, and rental car arrangements, ensuring that you receive the compensation you deserve. Don’t wait—contact us today to get the legal support you need.
The risks of Thanksgiving week travel on Florida’s busiest highways are real, but with the right preparation and knowledge, you can ensure that you are well-prepared for the unexpected. Whether you are dealing with PIP claims, property damage, or rental cars, the steps you take immediately after an accident can make a huge difference in your recovery process. If you find yourself in need of legal guidance, Serrano Law is here to help.