Florida · FL
What to do after a car accident in Florida
Florida’s no-fault insurance system can feel confusing after a crash. Use this checklist to stay organized while you recover.
- 1
Report the crash to law enforcement when injuries or significant damage occur.
- 2
Use PIP coverage for initial medical bills—keep all receipts and records.
- 3
Document the scene, witness contacts, and any traffic cameras nearby.
- 4
Do not admit fault at the scene; stick to facts when speaking with officers.
- 5
Follow up with a doctor if symptoms worsen in the days after the crash.
- 6
Before signing insurer releases, consider whether your injuries may exceed PIP limits.
Note: Serious injury thresholds may allow a claim outside PIP. A licensed Florida attorney can explain whether your case may qualify.
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