Had a crash? Start here
What to do in the first hour, how to call your insurance company, and the Florida PIP 14-day rule.
In the first hour
- Check for injuries and call 911 if anyone is hurt. Move to a safe spot if you can.
- Call the police. Florida requires a crash report when someone is hurt or killed, a car can’t be driven away, or damage looks like $2,000 or more (the threshold rose from $500 on October 1, 2026; Fla. Stat. 316.065). When in doubt, call.
- Take photos of both cars, plates, the scene and any injuries.
- Swap information: names, phones, insurance companies and policy numbers, plates.
- Call your insurance company from the number on your ID card or in its app. Report the crash even if it wasn’t your fault.
See a doctor within 14 days
Florida PIP pays your medical bills only if you get first treatment within 14 days of the crash, and the full $10,000 requires a doctor to find an emergency medical condition. Don’t wait to see if the pain goes away. How PIP works.
Then tell David
Text David at (305) 301-2648 with your claim number. He can’t settle claims (the insurance company does), but he can explain what your policy covers and who to call.
| Carrier | Claims |
|---|---|
| Progressive | 1-800-776-4737 · Claims site |
| GEICO | 1-800-841-3000 · Claims site |
| Travelers | 1-800-252-4633 · Claims site |
| Kemper | 1-800-353-6737 · Claims site |
| Bristol West | 1-800-274-7865 · Claims site |
| National General | 1-800-468-3466 · Claims site |
| United Auto | 1-800-344-2150 · Claims site |