Car accident reports play a key role in Florida personal injury cases, insurance claims, and legal proceedings. Knowing when and how to file them can protect your rights and strengthen your case.

When Florida Law Requires a Car Accident Report

Florida Statute §316.066 outlines when drivers must submit a crash report. Not every minor collision requires formal reporting, but certain circumstances make it mandatory.

Accidents That Must Be Reported to Law Enforcement

You are legally required to call police immediately if the accident involves:

In these cases, an officer will respond, investigate, and complete a formal Florida Traffic Crash Report.

Self-Reporting Minor Accidents

For less serious crashes without injuries or significant property damage, drivers can self-report using the Florida Highway Safety and Motor Vehicles (FLHSMV) online crash form or by mail. This is still important for insurance claims, even if the law doesn’t require it.

Why Florida Car Accident Reports Matter

A crash report is more than just a form — it can be a critical piece of evidence.

Evidence in Personal Injury Claims

Accident reports typically include details like:

  • Date, time, and location of the crash
  • Road and weather conditions
  • Statements from drivers and witnesses
  • Officer’s observations and preliminary fault determination

Insurance companies and courts often rely on these details to determine liability. While the officer’s conclusions are not final proof, they can strongly influence settlement negotiations.

Support for Insurance Claims

Florida is a no-fault insurance state, meaning most claims begin with your own Personal Injury Protection (PIP) coverage. A crash report helps validate your claim, confirm timelines, and prevent disputes over what occurred.

How to File a Car Accident Report in Florida

Step 1: Call Law Enforcement When Required

If the accident meets the reporting threshold, dial 911 and request police assistance. The responding officer will gather statements, inspect the scene, and file the report electronically with the FLHSMV.

Step 2: Use the Online Self-Report System for Minor Accidents

Drivers can submit a crash report through the FLHSMV portal. You will need:

  • Names and contact information for all parties
  • Vehicle descriptions and license plate numbers
  • Insurance policy details
  • A written account of the accident

Step 3: Keep a Copy for Your Records

Whether the report is filed by police or self-submitted, always obtain a copy. You can request one online through FLHSMV for a small fee.

Time Limits for Reporting

Florida requires police-filed accident reports to be submitted within 10 days of the crash. For self-reports, you should file as soon as possible — ideally within 10 days — to avoid complications with insurance or potential legal proceedings.

Common Mistakes to Avoid When Reporting a Car Accident

Even small errors can cause problems for your claim. Watch out for:

  • Incomplete information: Leaving out details can make it harder to prove what happened.
  • Inaccurate statements: Stick to facts; avoid speculation about speed, fault, or intent.
  • Delaying the report: The longer you wait, the more difficult it can be to gather accurate evidence.

Accessing a Florida Car Accident Report

Public Access Rules

Most crash reports are confidential for the first 60 days after filing, available only to parties involved, their lawyers, insurance companies, and certain media outlets. After 60 days, they become part of the public record.

Request Methods

You can obtain a copy by:

  • Ordering online through FLHSMV
  • Visiting a local law enforcement agency
  • Mailing a request form with payment

How Car Accident Reports Impact Personal Injury Cases

A well-documented report can make the difference in obtaining fair compensation. It often becomes a key reference point for:

  • Establishing the sequence of events
  • Supporting witness testimony
  • Highlighting evidence that might otherwise be overlooked

However, a report is only one part of the picture. Additional evidence — such as medical records, photographs, and expert analysis — can be just as important in building a strong case.

What to Do After Filing a Car Accident Report

Filing the report is only the first step. To protect your rights after a Florida car accident:

  • Seek medical evaluation immediately, even for minor injuries
  • Notify your insurance company promptly
  • Keep a personal record of accident-related expenses
  • Consult with a personal injury attorney if injuries or disputes arise

Conclusion

In Florida, filing a car accident report is not just a legal requirement in certain situations — it is a practical step that can safeguard your rights, support your insurance claim, and strengthen any future legal action. Whether handled by police or self-reported, accuracy and timeliness are key. Taking the right steps after a collision can make a significant difference in both the short-term claim process and any long-term recovery.

Need Legal Help? Brandon J. Broderick, Attorney at Law is One Phone Call Away

Navigating Florida car accident claims can be challenging. Fortunately, you don't need to do it alone. The experienced personal injury lawyers at Brandon J. Broderick, Attorney at Law, are available 24/7 to help you understand your legal options, gather necessary evidence, and build a strong case to secure the settlement you deserve. 

Contact us now for a free legal review.

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