After a car accident in Florida, you need to ensure safety, document the scene, report the accident, and file a claim with your own insurer under Florida's no-fault system. Florida is one of the few no-fault states, which means your own insurance pays for your medical expenses regardless of who caused the accident.
First, check for injuries and call 911 if anyone is hurt. Florida law requires you to stop at the scene of any accident involving injury, death, or property damage. Move vehicles out of traffic if it is safe to do so. Exchange information with the other driver: name, phone number, insurance company, policy number, and driver's license number. Take photos of the damage, the scene, license plates, and any road conditions that contributed to the accident.
Florida law requires a police report when an accident involves injuries, death, or property damage of $500 or more. The officer will document the scene, take statements, and create an official crash report. You can obtain a copy from the Florida Department of Highway Safety and Motor Vehicles. This report is important for your insurance claim and any potential legal proceedings.
Under Florida's no-fault system, your Personal Injury Protection (PIP) coverage pays for your medical expenses up to your policy limit — typically $10,000 — regardless of who caused the accident. You must seek medical treatment within 14 days of the accident for PIP to apply. If you do not see a doctor within that 14-day window, you lose your PIP benefits for that accident.
Florida's no-fault system limits your ability to sue the other driver unless your injuries meet a specific threshold — permanent injury, significant scarring, or other serious conditions as defined by Florida law. If your injuries meet this threshold, you can pursue a claim against the at-fault driver for damages beyond what PIP covers.
Know Florida's rules before you need them. The 14-day medical treatment deadline is critical and catches many people off guard. At Truscott, we walk Florida drivers through the no-fault system so they are prepared. Request a Truscott policy checkup and we will make sure your Florida auto coverage is complete.
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