What to Do After a Car Accident in Florida: A Step-by-Step Guide

A car accident is stressful, but knowing what to do can protect your safety and your insurance claim. Here is your step-by-step guide for handling an accident in Florida.

At the Scene

1. Check for Injuries

Your first priority is safety. Check yourself and your passengers for injuries. If anyone is hurt, call 911 immediately.

2. Move to Safety

If possible and safe to do so, move your vehicle out of traffic. Florida law requires you to move vehicles that are blocking traffic if they are drivable.

3. Call the Police

In Florida, you must report any accident involving:

• Injuries or death
• Property damage over $500
• A driver who appears impaired

4. Exchange Information

Get the following from all drivers involved:

• Name, address, and phone number
• Insurance company and policy number
• Driver license number
• License plate number
• Vehicle make, model, and color

5. Document Everything

Use your phone to:

• Take photos of all vehicles and damage
• Photograph the accident scene, including street signs and traffic signals
• Get contact information from witnesses
• Note the weather and road conditions

After the Scene

Seek Medical Attention

Even if you feel fine, see a doctor within 14 days. Florida PIP insurance requires medical treatment within this window to qualify for benefits. Some injuries do not show symptoms immediately.

Report to Your Insurance

Contact your insurance company as soon as possible. Florida is a no-fault state, meaning you file a claim with your own insurance first, regardless of who caused the accident.

Keep Records

Save all documentation related to the accident:

• Police report
• Medical records and bills
• Repair estimates
• Rental car receipts
• Any correspondence with insurance companies

Understanding Florida No-Fault Insurance

Florida requires all drivers to carry Personal Injury Protection (PIP) coverage. This pays 80% of medical expenses and 60% of lost wages up to $10,000, regardless of fault. However, you may be able to pursue additional compensation from the at-fault driver for serious injuries.

Need help with an auto insurance claim? Contact us and we will help you understand your coverage.