Filing an auto insurance claim in Florida
Florida is a "no-fault" state. Your own Personal Injury Protection (PIP) coverage generally pays first for your injuries, no matter who caused the crash.
Safety first: if anyone is hurt, call 911. Get medical care promptly, because Florida PIP has time limits for seeking treatment.
Step-by-step
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At the scene
Move the vehicle to safety, attempt to call the police and exchange names, insurance, and plate numbers with the other drivers. If your vehicle is towed, write down the tow company's name and contact information.
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Document the scene
Photograph all vehicles involved and the location where the accident occurred. If possible obtain witness contact information.
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Notify your insurer
Report the accident as soon as possible and write down your claim number. Find your insurance company's claims contact information.
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Cooperate with the adjuster's investigation
An adjuster will review the damage. You can get your own repair estimates. Cooperating with the investigation is a requirement under your policy. If you have questions the adjuster cannot answer, reach out to your agent to clarify.
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Review the settlement
Make sure the offer covers repairs, medical costs, and other losses before you accept. If you disagree, ask for the explanation in writing.
Florida coverage at a glance
| Coverage | What it covers |
|---|---|
| Personal Injury Protection (PIP) | Your medical costs and lost wages, regardless of fault |
| Property Damage Liability (PDL) | Damage you cause to others' property |
| Bodily Injury Liability | Injuries you cause to others |
| Collision / Comprehensive | Damage to your own car |
| Uninsured Motorist (UM) | Your injuries when the at-fault driver has no or too little insurance |