If you’re reading this after a car crash, we want to start by saying: it’s okay to feel overwhelmed. Whether you’re in pain, dazed from the impact, or simply unsure what happens next, you’re not alone and you don’t have to figure it all out on your own.

This guide is here to walk you through how to file an insurance claim after a Florida car accident. We’ll explain what to do, when to do it, and what to expect along the way. Whether you’re seeking care for yourself or helping someone else, these steps are designed to support your physical, emotional, and financial recovery.

How to File a Florida Car Accident Insurance Claim

1. Check for Injuries and Call 911

• Why it matters: Your safety is the top priority.
  
• If you or anyone involved is injured, call 911 immediately. Even if injuries seem minor, it’s always safer to get checked out. Adrenaline can mask pain.
  

Helpful Tip: Florida law requires you to report accidents involving injuries, death, or property damage over $500.

2. Document the Scene (If Safe to Do So)

• Take photos of vehicle damage, license plates, injuries, traffic signs, and road conditions.
  
• Gather names and contact information of other drivers, passengers, and any witnesses.
  

Note: If you’re unable to do this due to injury, that’s okay. Police reports and other documentation will help fill in the gaps.

3. Seek Medical Attention Right Away

• Even if you feel “okay,” get checked by a medical provider within 14 days. Florida’s Personal Injury Protection (PIP) law requires it to preserve your right to coverage.
  
• Keep all records of treatment, prescriptions, diagnoses, and doctor’s notes.
  

Helpful Tip: Some injuries (like whiplash or internal trauma) may not show symptoms immediately.

4. Notify Your Insurance Company

• Call your insurer as soon as possible ideally within 24 hours.
  
• Provide basic details: date/time of the crash, location, vehicles involved, and any known injuries.
  
• Avoid making recorded statements until you’ve spoken with a medical provider or attorney.
  

Reminder: You don’t need to have all the answers. It’s okay to say “I don’t know” or “I’m still being evaluated.”

5. Understand Florida’s No-Fault Insurance Rules

• Florida is a no-fault state, meaning your own insurance (PIP) pays for your medical care, regardless of who caused the accident.
  
• PIP typically covers:
  – 80% of medical bills (up to $10,000)
  – 60% of lost wages
  – $5,000 in death benefits
  

Note: If your injuries are serious, you may be able to pursue a claim against the at-fault driver’s insurance. A licensed attorney can explain when that applies.

6. Request and Review the Crash Report

• If police were called, they’ll file an official crash report.
  
• You can request a copy through the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) website.
  

7. Keep Records Organized

• Save all paperwork: medical bills, repair estimates, insurance letters, police reports, and time-off documentation.
  
• Create a digital folder if possible this will make things easier if you need legal help later.
  

8. Talk to a Licensed Florida Personal Injury Attorney (If Needed)

• If your injuries are serious, your medical bills exceed PIP limits, or you’re unsure what your rights are, speaking to a lawyer can help protect you.
  
• They can guide you through dealing with insurance adjusters, negotiating a settlement, or filing a lawsuit if necessary.
  

Support Is Available

Being in a car accident can shake up your world in seconds. Whether you’re dealing with pain, confusion, or stress, know that help is available. Florida medical providers and experienced personal injury attorneys are here to support your recovery physically, emotionally, and legally.

You don’t have to sort through complex paperwork or confusing policies by yourself. And if you’re helping a loved one who’s injured, simply sharing this guide with them is already a powerful act of care.

Next Steps: Let Hurt Aid Help You Find the Right Support

At Hurt Aid, we’re committed to helping you get the care and clarity you need quickly and compassionately. If you or someone you care about has been injured in a Florida car accident, we can connect you with:

• Trusted medical providers
  
• Licensed personal injury attorneys in your area
  

You focus on healing. We’ll help with the rest.