How to File a Car Insurance Claim in Florida: Step-by-Step
Complete guide to filing a car insurance claim in Florida, including what documents you'll need and what to expect.
James Rodriguez
Published Nov 22, 2025
Updated Nov 26, 2025
Image credit: Photo by Unsplash
Immediate Steps After an Accident
First, ensure safety by moving vehicles out of traffic if possible. Call 911 if anyone is injured, then contact the police to file a report.
Gather Information
Document the scene with photos, get the other driver's information, and collect contact information from witnesses.
Contact Your Insurance Company
Call your insurer as soon as possible. Provide details of the accident and follow their instructions for filing a claim. Most insurers have 24/7 claims hotlines.
About the Author
James Rodriguez
Former insurance adjuster turned consumer advocate. Passionate about helping Floridians understand their coverage options and find the best rates.
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