Being involved in a car accident is stressful enough — and dealing with insurance can often make it worse. But knowing exactly how to file a car insurance claim in Florida can help you stay calm, protect your rights, and get your vehicle (and life) back on track faster.
Florida’s insurance process can be unique because of its no-fault laws, so it's important to understand your role and your responsibilities. Whether it's a minor fender-bender or a more serious crash, here's what you need to do to ensure a smooth claims process.
1. Prioritize Safety at the Scene
Your priority is always safety. If anyone is injured, call 911 immediately. If it's a minor accident, move vehicles out of traffic and turn on hazard lights. Always stay at the scene and exchange the following information with the other driver(s):
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Names and contact information
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Driver’s license numbers
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License plate numbers
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Insurance company and policy number
Also, gather contact details of any witnesses and take plenty of photos from multiple angles. These will support your claim later.
2. Document Everything
Photos and written notes are essential. Take pictures of:
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Damage to all vehicles
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Road conditions, signs, and traffic signals
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Your injuries (if visible)
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The full scene — including skid marks, weather conditions, etc.
This documentation can protect you if there's a dispute about what happened.
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3. File a Police Report if Required
In Florida, you're legally required to file a police report if:
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The accident caused injuries or death
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Property damage exceeds $500
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A driver fled the scene or was intoxicated
If an officer comes to the scene, they’ll file the report. If not, you can submit one online through the Florida Highway Safety and Motor Vehicles (FLHSMV) website.
4. Notify Your Insurance Company Promptly
Once you’re safe and have the basics covered, contact your insurance provider to report the accident. Most companies have mobile apps that let you file a claim on the spot, but you can also call.
Be ready to provide:
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The date, time, and location of the accident
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A description of what happened
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The other driver’s information
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Your photos and police report (if available)
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5. Understand How PIP Affects Your Claim
Because Florida is a no-fault state, your own Personal Injury Protection (PIP) coverage will pay for your initial medical costs, regardless of who caused the accident.
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Florida PIP typically covers 80% of medical bills and 60% of lost wages, up to $10,000
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You must receive medical treatment within 14 days of the accident for coverage to apply
Not sure how PIP works?
Read: What Is PIP Insurance in Florida
6. Get an Estimate and Start Repairs
Your insurer may send an adjuster to inspect your car, or they might ask you to visit an approved repair shop. Some carriers let you choose your own mechanic, but be sure to check first.
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Ask for a written estimate
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Save all receipts
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Don’t start repairs until your claim is approved (unless it's for safety reasons)
7. Monitor Your Claim Status
Many companies allow you to track your claim online or via mobile. Stay in touch with your adjuster, and don’t hesitate to ask questions if something seems unclear. If your claim is denied, you have the right to request a detailed explanation or file an appeal.
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Conclusions
Filing a car insurance claim in Florida doesn’t have to be overwhelming. By staying organized, acting quickly, and knowing your rights under Florida’s insurance laws, you can protect yourself legally and financially.
Still have questions about filing a claim or understanding your coverage? Our local insurance agents in Miami, Kendall, and Homestead are here to help.
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