Report the accident immediately. Florida law requires reporting accidents involving injury, death, or significant property damage.
Ask for the crash report number before leaving the scene.
Seek Medical Care Within 14 Days
Pain and injuries often show up days later.Florida's PIP law requires you to seek qualifying medical care within 14 days of your accident.
MISS THE DEADLINE?
You may lose access to up to $10,000 in medical benefits.
Document Everything
Take photos of vehicles, damage, license plates, road conditions, injuries, and traffic signals. Keep all records including medical visits, receipts, police report, and tow paperwork.
Exchange Information
Collect the other driver's name, phone number, driver's license, insurance information, and vehicle details. If witnesses are present, get their contact information.
Notify Your Insurance Company
Report the accident promptly, typically within 24 hours. Provide only basic facts: date, time, location, and vehicles involved. Avoid guessing or speculating.
Continuing Treatment
Continuing treatment is the most important step to get you back to your health pre-accident. Consistent care helps you get back to your best health, reduce pain, and improve your recovery.
14-Day Rule
Florida's
You must receive medical care within 14 calendar days of your accident to preserve your PIP benefits.