Dealing With Insurance
After a Florida Accident
Insurance companies are businesses. After a Florida accident, knowing how to communicate with insurers — and what to avoid — can significantly affect your claim outcome.
Florida PIP 14-Day Rule: Seek medical care within 14 days to preserve up to $10,000 in PIP benefits. Call 407-486-6147 for a free referral.
Notify Your Own Insurance Company First
Report the accident to your own insurance company promptly. Provide factual information: date, time, location, and a description of what happened. Your PIP coverage applies regardless of fault.
Do Not Give a Recorded Statement Without Guidance
The other driver's insurance company may contact you and request a recorded statement. You are not required to give one. Statements can be taken out of context and used to minimize your claim.
Do Not Accept a Quick Settlement
Insurance companies may offer a quick settlement shortly after the accident. These early offers are often far below the actual value of your claim. Do not accept any settlement until you fully understand the extent of your injuries and damages.
Document All Medical Treatment
Keep records of every medical appointment, treatment, prescription, and bill related to your accident injuries. This documentation is essential for your insurance claim and any legal proceedings.
Track All Out-of-Pocket Expenses
Document all expenses related to the accident: medical bills, transportation to appointments, lost wages, vehicle repair, and any other costs. These are potentially recoverable.
Understand Your PIP Coverage
Florida PIP covers 80% of medical expenses up to $10,000 for emergency conditions. You must seek care within 14 days. Your PIP insurer may send an independent medical examiner — you have rights in this process.
Need a Doctor After Your Accident?
Free 24/7 referral to PIP-accepting doctors throughout Florida.