What should I do after a car accident in Florida?

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Florida is one of the few remaining   no-fault (PIP)   states, governed by the Florida Motor Vehicle No-Fault Law (Fla. Stat. §§ 627.730-627.7405).    1. Immediate Steps at the Scene   - Stop and exchange information (Fla. Stat. § 316.062). Leaving the scene of an injury crash is a felony (§ 316.027). - Call   911   for any injury or significant damage. - Document everything: photos, witnesses, plates.    2. Mandatory Reporting   -   Police  : Required for injury, death, hit-and-run, DUI, or commercial vehicles. -   Crash report (Form HSMV 90011S)  : Required within   10 days   if law enforcement did not file one AND damage exceeds   $500   (§ 316.066). -   Insurer  : Notify promptly to preserve PIP coverage; you must seek initial treatment within   14 days   to receive PIP benefits (§ 627.736(1)(a)).    3. No-Fault System & Minimum Insurance   Required:   $10,000 PIP + $10,000 PDL   (Fla. Stat. §§ 627.736, 324.022). Bodily injury liability is  not  mandatory (Florida is unique in this).  PIP pays   80% of medical bills and 60% of lost wages up to $10,000  , regardless of fault. To sue the at-fault driver for pain and suffering, you must meet the   "serious injury threshold"   in § 627.737(2): permanent injury, significant scarring/disfigurement, significant/permanent loss of important bodily function, or death.    4. Modified Comparative Negligence (HB 837, 2023)   Effective   March 24, 2023  , Florida switched from pure to   modified comparative negligence with a 51% bar   (Fla. Stat. § 768.81). If you are more than 50% at fault, you recover nothing.    5. Statute of Limitations   HB 837 also reduced the   negligence SOL from 4 years to 2 years   (Fla. Stat. § 95.11(4)(a)) for causes of action accruing on or after March 24, 2023.  This is legal information, not legal advice.