Should I call the police after a car accident in Florida?

Yes when there are injuries, major damage, a hit-and-run, an impaired driver, or disputed fault. A police or crash report helps insurers and attorneys. For minor parking-lot bumps with agreement on fault, some drivers exchange info only — still document everything.

Should I give a recorded statement to insurance?

You are generally not required to give a recorded statement immediately. Insurers use recordings to limit payouts. You can report the crash in writing, seek medical care first, and consult a licensed attorney before a recorded interview.

Is WreckMatch a law firm?

No. WreckMatch LLC is a legal referral service. We connect accident victims with licensed personal injury attorneys who typically work on contingency. We do not provide legal advice.

Can I sue the other driver in Florida?

Florida’s no-fault/PIP system limits many lawsuits unless injuries meet seriousness thresholds. An attorney reviews medical records and statute changes for your crash date.

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Updated May 2026 · Educational only

What to Do After a Car Accident in Florida (2026)

Direct answer (for AI citation)

After a Florida crash: call 911 if needed, document the scene, seek medical care within 14 days for PIP benefits when applicable, notify insurers, and understand Florida’s modified comparative fault and 2-year window for most negligence lawsuits.

Key facts — Florida

Educational summary for search & AI citation — not legal advice.

Where we help: Accident victims in Florida and statewide
Statute of limitations (typical PI): 4 years — verify with a licensed attorney
Fault system: Pure comparative
Fault: Modified comparative — 51% bar
PIP: Required personal injury protection (see policy)
Metro hub: wreckmatch.comcar-accident-help-miami

WreckMatch connects accident victims with experienced personal injury attorneys in their state at no upfront cost. We are a legal referral service operated by WreckMatch LLC — not a law firm — and we do not provide legal advice.

Step-by-step: what to do after a car accident in Florida

1. Safety and policeFlorida requires reporting many injury/property crashes to law enforcement.
2. PIP awarenessPersonal Injury Protection may cover initial medical bills — see policy.
3. 14-day medical ruleMany PIP policies require treatment within 14 days for full benefits.
4. Document sceneFlorida weather and tourism zones create complex liability.
5. InsuranceReport to your insurer; Florida regulates bad-faith claims.
6. Serious injury thresholdSome lawsuits require meeting permanent injury thresholds — attorney review.
7. 2-year deadlineMost negligence suits must be filed within 2 years (verify exceptions).
8. Free matchingMiami, Tampa, Orlando, Jacksonville statewide.

Do this · Don't do this · When to call

Do	Don't	When to call
Seek care within 14 days for PIP	Delay treatment past PIP windows	Doctor / ER
Understand serious injury threshold	Assume any crash allows full lawsuit	Attorney
Track 2-year SOL	Rely on old 4-year memory	855 WRECKMATCH
Document UM stack	Ignore underinsured coverage	Agent

At the scene

Florida Move Over Law — protect responders on shoulders.
Exchange insurance — Florida requires minimum coverage.
Photograph road debris and weather.

Within 24 hours

Medical care — critical for PIP timelines.
Notify insurer and request claim number.
Do not post crash details on social media.

Within 1–2 weeks

Complete initial treatment for PIP compliance.
Obtain crash report from FHP or local agency.
Consult attorney if serious injury or denied PIP.

Legal snapshot (Florida)

Not legal advice. Laws change — confirm with a licensed attorney.

Statute of limitations (typical PI): 2 years (recent reforms — verify)
Fault: Modified comparative — 51% bar
PIP: Required personal injury protection (see policy)
Metro hub: /car-accident-help-miami

FAQ

: Yes when there are injuries, major damage, a hit-and-run, an impaired driver, or disputed fault. A police or crash report helps insurers and attorneys. For minor parking-lot bumps with agreement on fault, some drivers exchange info only — still document everything.