What to Do After a Car Accident in Florida

1. 1

   Stop

   Florida law requires every driver involved in a crash to stop at the scene, or as close to it as possible, and to remain until they have exchanged information.

2. 2

   Check for injuries and call 911

   If anyone is hurt, call 911. Drivers must render reasonable assistance to anyone injured, including arranging medical help.

3. 3

   Make the scene safe

   Turn on your hazard lights. In a crash involving only vehicle or property damage, Florida law asks drivers to make every reasonable effort to move vehicles that block traffic — and says moving your vehicle does not in itself mean you were at fault. Only move if it is safe.

4. 4

   Exchange information

   Give and collect names, addresses and vehicle registration numbers, and show your driver licence if asked. Note each driver’s insurance company and policy number.

5. 5

   Report the crash

   Crashes involving injury, death or apparent damage of $500 or more must be reported to law enforcement immediately. Inside a city, that is usually the local police; elsewhere the sheriff or the Florida Highway Patrol (*FHP or *347 from a mobile phone).

6. 6

   Document everything

   Photograph vehicles, plates, the road, signals, weather and injuries. Write down witness names and numbers.

1. 1

   Get medical care — within 14 days

   Florida PIP generally pays only if you receive initial services and care within 14 days of the crash. See the PIP 14-day rule.

2. 2

   Notify your insurer

   Report the crash to your own insurance company. Your PIP coverage generally pays first for your injuries, whoever was at fault.

3. 3

   Get the report number

   You will need it to request the crash report. See how to get a Florida crash report.

4. 4

   Be careful with other insurers

   The other driver’s insurer may ask for a recorded statement. You can take their details and call back — see when the insurance company calls.

• Keep a folder of medical bills, receipts, mileage to appointments and time off work.
• Keep letters, emails and claim numbers from every insurance company.
• Write down how your injuries affect your daily life while it is fresh.
• Check your policy’s declarations page for PIP, uninsured motorist and other coverage.

Time limits apply. For most negligence claims arising after March 24, 2023, Florida’s general limit is two years — but there are exceptions, and a licensed Florida attorney can tell you what applies to you.