{"id":372522,"date":"2016-11-02T18:20:14","date_gmt":"2016-11-02T23:20:14","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/state\/florida-law\/florida-car-accident-settlement-process-and-timeline.html"},"modified":"2025-06-27T11:46:34","modified_gmt":"2025-06-27T16:46:34","slug":"florida-car-accident-settlement-process-and-timeline","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/state\/florida-law\/florida-car-accident-settlement-process-and-timeline.html","title":{"rendered":"Florida Car Accident Settlement Process and Timeline"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">Florida Car Accident Settlement Process and Timeline<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/lyle-therese-a-hilotin-lee-j-d\/\">Lyle Therese A. Hilotin-Lee, J.D.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/catherine-hodder-esq\/\">Catherine Hodder, Esq.<\/a>\n                | Last updated\n        <time>\n                            June 27, 2025\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<blockquote><b style=\"font-size: 0.8125rem;\">The car accident settlement process and timeline in Florida can range from several months to several years depending on the severity of the injury. It involves assessing personal injury and property damage, filing a claim with an insurance company, and determining if you need to file a lawsuit.<\/b><\/blockquote>\r\n<p>Experiencing a car accident in Florida can be stressful and overwhelming. Understanding your legal rights and the proper steps to take can help ease this challenging process.<\/p>\r\n<p>This article outlines the actions you should take following a car accident case in Florida, from the immediate aftermath to pursuing a settlement. If you have been in a car accident and think you might have a legal claim, consider contacting a <a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/florida\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">Florida car accident lawyer.<\/a> They can provide legal advice and help you navigate your legal issues during this difficult time.<\/p>\r\n<h2><b>What To Do at the Car Accident Scene<\/b><\/h2>\r\n<p>Florida statutes requires specific actions after a car accident. For example, you must <a href=\"https:\/\/codes.findlaw.com\/fl\/title-xxiii-motor-vehicles\/fl-st-sect-316-065\/\" title=\"immediately contact law enforcement\" target=\"_blank\" rel=\"noopener\">immediately contact law enforcement<\/a> for accidents involving an injury, death, or property damage greater than $500. For accidents that do not require a police report, or where no police investigation occurred, you must file a crash <a href=\"https:\/\/codes.findlaw.com\/fl\/title-xxiii-motor-vehicles\/fl-st-sect-316-066\/\" target=\"_blank\" rel=\"noopener\">report within ten days<\/a>.<\/p>\r\n<p>Once in a safe location, you must:<\/p>\r\n<ul>\r\n<li>Offer <a href=\"https:\/\/codes.findlaw.com\/fl\/title-xxiii-motor-vehicles\/fl-st-sect-316-062.html\" target=\"_blank\" rel=\"noopener\">reasonable assistance<\/a> to any injured accident victims<\/li>\r\n<li>Exchange personal, vehicle, and auto insurance information with other drivers<\/li>\r\n<li>Gather names and contact information of any witnesses<\/li>\r\n<li>Document weather and road conditions<\/li>\r\n<li>Take photographs of the vehicles and the accident scene<\/li>\r\n<\/ul>\r\n<p>While you should be truthful with investigating officers, avoid admitting fault at the scene. Even if you feel responsible, the complete facts may show you were not actually the at-fault party.<\/p>\r\n<h2><b>Medical Documentation for Your Car Accident Claim<\/b><\/h2>\r\n<p>Seeking immediate medical attention after an accident is crucial for both your health and your car accident claim. Medical records serve as vital evidence documenting the extent of your injuries and linking them directly to the crash. Insurance companies carefully review these medical documents when processing car accident injury claims.<\/p>\r\n<p>As you recover from your car accident injury, your medical provider will generate medical records. Make sure that you keep all these documents, attend all appointments, and follow up on treatment plans. <a href=\"https:\/\/codes.findlaw.com\/fl\/title-xxxvii-insurance\/fl-st-sect-627-736\/\" title=\"State law requires\" target=\"_blank\" rel=\"noopener\">State law requires<\/a> the proper documentation of all medical care with specific billing requirements.<\/p>\r\n<p>Keep track of all expenses, including medications and equipment purchases, as these are potentially reimbursable if they are <a href=\"https:\/\/codes.findlaw.com\/fl\/title-xxxvii-insurance\/fl-st-sect-627-736\/#:~:text=(a)%E2%80%82Medical%20benefits.\" title=\"reasonable expenses for medically necessary items\" target=\"_blank\" rel=\"noopener\">reasonable expenses for medically necessary items<\/a>. Documenting how your injuries affect your daily activities and work capacity can also help establish claims for disability benefits, which <a href=\"https:\/\/codes.findlaw.com\/fl\/title-xxxvii-insurance\/fl-st-sect-627-736\/#:~:text=b)%E2%80%82Disability%20benefits.\" target=\"_blank\" rel=\"noopener\">cover 60% of lost income.<\/a><\/p>\r\n<p>These documents will be essential when calculating economic damages in your personal injury claim.<\/p>\r\n<h2><b>Understanding Florida&#8217;s No-Fault Insurance System<\/b><\/h2>\r\n<p>Florida operates under a no-fault insurance system. What this means is that each driver&#8217;s medical bills and related expenses are covered first by their own insurance carrier. This rule applies <a href=\"https:\/\/codes.findlaw.com\/fl\/title-xxxvii-insurance\/fl-st-sect-627-731\/\" target=\"_blank\" rel=\"noopener\">regardless of fault<\/a>. For property damage, you can pursue an insurance claim against the at-fault driver&#8217;s insurance.<\/p>\r\n<p>According to Florida Statutes, every Floridian driver must carry:<\/p>\r\n<ul>\r\n<li>At least $10,000 in personal injury protection (PIP) insurance<\/li>\r\n<li>At least $10,000 of property damage liability insurance<\/li>\r\n<\/ul>\r\n<p>It&#8217;s also possible to purchase underinsured\/uninsured motorist protection. Florida&#8217;s <a href=\"https:\/\/www.flhsmv.gov\/insurance\/uninsured-motorist-rate\/\" title=\"uninsured motorist rate\" target=\"_blank\" rel=\"noopener\">uninsured motorist rate<\/a> is usually between 5% and 6%.<\/p>\r\n<h2><b>Personal Injury Protection (PIP) Benefits<\/b><\/h2>\r\n<p>PIP benefits provide coverage regardless of who caused the accident, allowing injured parties to receive prompt medical treatment without waiting for a determination of fault. Under Florida law, all vehicle owners must carry at least $10,000 in PIP coverage.<\/p>\r\n<p><a href=\"https:\/\/codes.findlaw.com\/fl\/title-xxxvii-insurance\/fl-st-sect-627-736\/\" title=\"PIP benefits\" target=\"_blank\" rel=\"noopener\">PIP benefits<\/a> cover:<\/p>\r\n<ul>\r\n<li>80% of reasonable <a href=\"https:\/\/codes.findlaw.com\/fl\/title-xxxvii-insurance\/fl-st-sect-627-736\/\" target=\"_blank\" rel=\"noopener\">medical expenses<\/a> from necessary treatments<\/li>\r\n<li>60% of lost wages due to inability to work because of injuries<\/li>\r\n<li>$5,000 per individual in death benefits<\/li>\r\n<\/ul>\r\n<p>Seek initial medical treatment within 14 days of the accident in order to qualify for PIP benefits. The statute also provides a <a href=\"https:\/\/codes.findlaw.com\/fl\/title-xxxvii-insurance\/fl-st-sect-627-736\/\" target=\"_blank\" rel=\"noopener\">cap of $2,500 <\/a>if a medical provider determines that your injury is not an emergency medical condition.<\/p>\r\n<h2><b>Filing an Insurance Claim After a Car Accident<\/b><\/h2>\r\n<p>Filing your insurance claim correctly is critical to ensuring you receive appropriate compensation. Insurance companies may not engage in <a href=\"https:\/\/codes.findlaw.com\/fl\/title-xxxvii-insurance\/fl-st-sect-627-736\/#:~:text=(11)%E2%80%82Failure%20to%20pay%20valid%20claims%3B%20%E2%80%89unfair%20or%20deceptive%20practice.\" target=\"_blank\" rel=\"noopener\">unfair or deceptive practices<\/a>. These practices may include failing to pay valid claims for personal injury protection or failing to investigate a claim.<\/p>\r\n<p>When filing your insurance claim:<\/p>\r\n<ul>\r\n<li>Contact your insurance company immediately<\/li>\r\n<li>Provide all requested documentation, including the police report<\/li>\r\n<li>Keep detailed records of all communications with the insurance company<\/li>\r\n<li>Document all expenses related to the accident<\/li>\r\n<\/ul>\r\n<p>An important consideration in your auto accident case is reaching the Maximum Medical Improvement (MMI). Insurance companies often prefer to wait until you have reached the MMI before finalizing the settlement offers. This is the point where doctors determine there are no further significant healing is expected.<\/p>\r\n<h2><b>Average Car Accident Settlement in Florida<\/b><\/h2>\r\n<p>There is no exact formula for <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/resolution-before-trial-settlement.html\">calculating a car accident settlement<\/a> amount. There are relevant factors to consider, such as the following:<\/p>\r\n<ul>\r\n<li>The severity of your injuries<\/li>\r\n<li>Costs of reasonable and necessary <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/economic-recovery-for-accidents-and-injuries.html\">medical expenses<\/a><\/li>\r\n<li>Loss of <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/worksheet-damage-estimate.html\">past and future wages<\/a><\/li>\r\n<li>Florida follows the <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/defenses-to-negligence-claims.html\">pure comparative negligence<\/a> doctrine where damages are barred or reduced according to <a href=\"https:\/\/codes.findlaw.com\/fl\/title-xlv-torts\/fl-st-sect-768-81\/\" title=\"your degree of fault\" target=\"_blank\" rel=\"noopener\">your degree of fault<\/a><\/li>\r\n<li>The types of <a href=\"https:\/\/www.findlaw.com\/consumer\/lemon-law\/glossary-automobile-insurance-terms.html\">insurance coverage<\/a> both parties have<\/li>\r\n<li>The amount of evidence and documentation you provide<\/li>\r\n<li>Your or your attorney&#8217;s ability to argue your case<\/li>\r\n<\/ul>\r\n<p>These variations make every settlement unique.<\/p>\r\n<h2><b>Seek Legal Advice From a Car Accident Attorney<\/b><\/h2>\r\n<p>Florida&#8217;s complex no-fault insurance laws create significant challenges for car accident victims. Having an <a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/florida\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">experienced attorney<\/a> represent you during the car accident settlement process can help your case.<\/p>\r\n<p>If you have questions related to a car accident lawsuit, schedule a free case evaluation with a <a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/florida\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">car accident or personal injury attorney<\/a> in Florida. They can explain your options and help pursue fair compensation for your injuries and losses.<\/p>\r\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-up\" clip-path=\"url(#clip0_604_3418)\">\n                        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class=\"was-this-helpful__choose-option-message-text\"><\/p>\n        <\/div>\n        <form class=\"was-this-helpful__feedback-form\">\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--positive\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this helpful?<\/legend>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--understandable\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Easy to understand\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm 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class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this not helpful?<\/legend>\n                    <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n                        <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--missing-info\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Missing Information\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                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class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--dated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Out of date\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--dated\"\n                        >Out of date<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--negative-other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--negative-other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__form-buttons-container\">\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--positive at-feedback-submit fl-button secondary\"\n                    type=\"submit\"\n                >\n                    <span class=\"fl-button-content\">Submit<\/span>\n                    <i\n                        class=\"fa fa-angle-right medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--cancel fl-button primary disabled\"\n                    type=\"reset\"\n                >\n                    <span class=\"fl-button-content\">Cancel<\/span>\n                    <i\n                        class=\"fa fa-times-circle medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n            <\/div>\n        <\/form>\n    <\/div>\n    <div class=\"was-this-helpful__thank-you-message\" role=\"status\">\n        <i class=\"was-this-helpful__thank-you-message-icon fa fa-check\"><\/i>\n        <p class=\"was-this-helpful__thank-you-message-text\" aria-live=\"polite\"><\/p>\n    <\/div>\n<\/div>\n\n\n    <\/div>\n    \n    <div class=\"fl-section-sidebar\">\n        <div class=\"fl-editors-summary\" data-testid=\"fl-editors-summary\">\n    \n    <div class=\"fl-editors-summary-content\" data-testid=\"fl-editors-summary-content\">\n                    <h2>Can I Solve This on My Own or Do I Need an Attorney?<\/h2>\n                <div class=\"fl-editors-summary-content-main\" data-testid=\"fl-editors-summary-content-main\">\n            \n        <\/div>\n        <ul class=\"fl-list-style-none\">\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    A lawyer can help seek fair compensation on your behalf\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Car accident claims are complex and insurance carriers have lawyers on their side\n\n                <\/li>\n                    <\/ul>\n                    <div class=\"fl-editors-summary-content-description\" data-testid=\"fl-editors-summary-content-description\">\n                <p>Get tailored legal advice and ask a lawyer questions about your accident. Many attorneys offer free consultations.<\/p>\n\n            <\/div>\n                            <div class=\"fl-editors-summary-content-link fl-flex\" data-testid=\"fl-editors-summary-content-link\">\n                <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                <p class=\"find-attorney\"><a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/#USER_GEO\/?fli=esum\" title=\"Car Accident Attorney Directory\" target=\"_blank\" rel=\"noopener\">If you need an attorney, find one right now.<\/a><\/p>\n\n            <\/div>\n            <\/div>\n<\/div>\n\n\n<div class=\"email-subscription fl-mb30\">\n    <div class=\"email-subscription-header\">\n        <div class=\"email-subscription-header-content\">\n            <h3 class=\"fl-callout-sm fl-no-margin\">Stay Up-to-Date With How the Law Affects Your Life<\/h3>\n        <\/div>\n        <div class=\"email-subscription-header-image fl-flex fl-items-end\">\n            <img 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