{"id":50557,"date":"2026-09-17T10:10:09","date_gmt":"2026-09-17T10:10:09","guid":{"rendered":"https:\/\/chglawyers.com\/resources\/car-accident-settlements-florida\/car-accidents-public-record\/"},"modified":"2026-11-04T01:01:31","modified_gmt":"2026-11-04T01:01:31","slug":"car-accidents-public-record","status":"publish","type":"page","link":"https:\/\/chglawyers.com\/resources\/car-accident-settlements-florida\/car-accidents-public-record\/","title":{"rendered":"Average Insurance Payout for Car Accident in Florida"},"content":{"rendered":"\n<div class=\"wp-block-cover alignfull is-dark chg-hero\" style=\"min-height:460px;aspect-ratio:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim-70 has-background-dim wp-block-cover__gradient-background has-background-gradient\" style=\"background:linear-gradient(90deg,rgba(32,36,46,1) 0%,rgba(32,36,46,1) 55%,rgba(32,36,46,0.7) 100%)\"><\/span><img class=\"wp-block-cover__image-background wp-image-50554\" alt=\"Damaged car crashed into street lamp post during evening.\" src=\"https:\/\/chglawyers.com\/resources\/wp-content\/uploads\/2026\/09\/damaged-car-crashed-into-street-lamp-post-during-evening-photo.jpg\" width=\"1600\" height=\"900\" srcset=\"https:\/\/chglawyers.com\/resources\/wp-content\/uploads\/2026\/09\/damaged-car-crashed-into-street-lamp-post-during-evening-photo-150x150.jpg 150w, https:\/\/chglawyers.com\/resources\/wp-content\/uploads\/2026\/09\/damaged-car-crashed-into-street-lamp-post-during-evening-photo-300x169.jpg 300w, https:\/\/chglawyers.com\/resources\/wp-content\/uploads\/2026\/09\/damaged-car-crashed-into-street-lamp-post-during-evening-photo-768x432.jpg 768w, https:\/\/chglawyers.com\/resources\/wp-content\/uploads\/2026\/09\/damaged-car-crashed-into-street-lamp-post-during-evening-photo-1024x576.jpg 1024w, https:\/\/chglawyers.com\/resources\/wp-content\/uploads\/2026\/09\/damaged-car-crashed-into-street-lamp-post-during-evening-photo-1536x864.jpg 1536w, https:\/\/chglawyers.com\/resources\/wp-content\/uploads\/2026\/09\/damaged-car-crashed-into-street-lamp-post-during-evening-photo.jpg 1600w\" sizes=\"(max-width: 818px) 818px, 100vw\" fetchpriority=\"high\" decoding=\"async\"\/><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-block-cover-is-layout-constrained\">\n<p class=\"chg-eyebrow has-base-color has-text-color wp-block-paragraph\" style=\"text-shadow:0 1px 3px rgba(0,0,0,0.6),0 0 18px rgba(0,0,0,0.35)\"><a href=\"\/resources\/car-accident-settlements-florida\/\">Car Accidents<\/a> | Serving Florida<\/p><h1 class=\"wp-block-heading has-base-color has-text-color\" style=\"text-shadow:0 1px 3px rgba(0,0,0,0.6),0 0 18px rgba(0,0,0,0.35)\">Car Accident Insurance Payouts in Florida: What to Know and What to Do Next<\/h1><p class=\"has-base-color has-text-color wp-block-paragraph\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.625), 1.25rem);text-shadow:0 1px 3px rgba(0,0,0,0.6),0 0 18px rgba(0,0,0,0.35)\">Plain-language answers about Florida auto insurance, claims, and the steps that can protect you after a crash. CHG Personal Injury Lawyers is a Florida-based firm serving people across the state.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Start with a free, confidential consultation<\/a><\/div><div class=\"wp-block-button chg-cta chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Start with a free, confidential consultation<\/a><\/div><\/div>\n<\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:0.85rem;color:#6b7280;margin-bottom:1.5rem\">By CHG Lawyers \u00b7 Published October 20, 2026<\/p>\n\n<article lang=\"en\">\n\n\n<p>There is no single average insurance payout for a car accident in Florida. The amount depends on three things. Those things are the injuries, the insurance that applies, and how fault is shared. The crash report and the insurance details are the first records to gather.<\/p>\n<p>If you were hurt in a crash, you may be wondering what happens next. You may be dealing with pain, bills, and a car that cannot be driven. This page explains the records you can request. It also explains the Florida rules that shape a settlement, which is an agreed payment that ends a claim.<\/p>\n<h2>Can You Get a Car Accident Report in Florida?<\/h2>\n<p>Yes.<\/p>\n<p>The Florida Department of Highway Safety and Motor Vehicles explains <a href=\"https:\/\/www.flhsmv.gov\/traffic-crash-reports\/\">Florida crash reporting requirements<\/a>.<\/p>\n<p>The state&#8217;s guidance explains when that is allowed. Read it before you assume a report exists or doesn&#8217;t.<\/p>\n\n<figure class=\"wp-block-image size-large has-custom-border\"><img decoding=\"async\" src=\"https:\/\/chglawyers.com\/resources\/wp-content\/uploads\/2026\/09\/two-damaged-vans-on-grass-illustrating-vehicle-collision-dam-photo-2-1024x682.jpg\" alt=\"Two damaged vans on grass illustrating vehicle collision damage.\" style=\"border-radius:8px;width:100%;aspect-ratio:16\/9;object-fit:cover\"\/><\/figure>\n\n<div class=\"cta-dose-mid wp-block-group has-base-color has-accent-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-32197852 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--accent,#20242e);color:var(--wp--preset--color--base,#ffffff);border-radius:8px;padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem;border-left:6px solid var(--wp--preset--color--cta,currentColor);box-shadow:0 2px 10px rgba(0,0,0,0.18)\">\n<p class=\"wp-block-paragraph\">If you are waiting on a crash report or trying to learn which insurance may pay your bills, you don&#x27;t have to figure it out alone. Talk it through with our team &#8212; the first consultation is free, confidential, and carries no obligation.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Get a free consultation<\/a><\/div><div class=\"wp-block-button chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Get a free consultation<\/a><\/div><\/div>\n<\/div>\n<h2>What Shapes an Average Insurance Payout for a Car Accident?<\/h2>\n<p>The amount an insurer pays depends on three things:<\/p>\n<ul>\n<li>the injury<\/li>\n<li>the coverage<\/li>\n<li>fault<\/li>\n<\/ul>\n<p>Florida policies that meet the security requirements of Fla. Stat. \u00a7 627.733 must provide the benefits and exemptions contained in ss. 627.730-627.7405, which include <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.736.html\">personal injury protection<\/a> benefits. This is required coverage. It is no-fault coverage that pays certain bills after a crash.<\/p>\n<ul>\n<li>Under Fla. Stat. \u00a7 627.736, personal injury protection medical benefits cover 80 percent of all reasonable expenses for medically necessary medical, surgical, X-ray, dental, and rehabilitative services, including prosthetic devices and medically necessary ambulance, hospital, and nursing services, if the injured person receives initial services and care within 14 days after the motor vehicle accident.<\/li>\n<\/ul>\n<p><strong>The injury threshold for pain and suffering.<\/strong> Pain and suffering means the physical and emotional harm from an injury. Florida limits these claims against the at-fault driver.<\/p>\n<p>Under <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.737.html\">Florida&#8217;s tort exemption rules<\/a>, in a suit against the owner, registrant, operator, or occupant of a motor vehicle with security under Florida&#8217;s no-fault law, you can seek those damages only if the injury includes:<\/p>\n<ul>\n<li>a significant and permanent loss of an important bodily function<\/li>\n<li>a permanent injury within a reasonable degree of medical probability, other than scarring or disfigurement<\/li>\n<li>significant and permanent scarring or disfigurement<\/li>\n<li>death<\/li>\n<\/ul>\n<p><strong>Medical bills and collateral sources.<\/strong> Under <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0700-0799\/0768\/Sections\/0768.76.html\">Florida&#8217;s collateral source rule<\/a>, a court reduces an award. The reduction covers amounts already paid or available to you from other sources.<\/p>\n<p>A court does not reduce the award for sources that carry a right of repayment. In plain words, these are sources you must pay back.<\/p>\n<p><strong>Letters of protection.<\/strong> Some people treat under a letter of protection. This is an arrangement where the provider waits for payment from a future claim. Florida law addresses how <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0700-0799\/0768\/Sections\/0768.0427.html\">medical expense evidence<\/a> can be shown in these cases.<\/p>\n<h2>How Do You Request Insurance Information After a Crash?<\/h2>\n<p>You request insurance information in writing.<\/p>\n<p>An insurer that may cover a claim must give you a sworn statement within 30 days of your written request. A sworn statement is a written statement signed under oath. This means the person signing promises it is true.<\/p>\n<p>The statement lists:<\/p>\n<ul>\n<li>the insurer&#8217;s name<\/li>\n<li>each insured person<\/li>\n<li>the coverage limits<\/li>\n<li>any policy defense the insurer reasonably believes applies. A policy defense is a reason the insurer may give for not paying.<\/li>\n<\/ul>\n<p>The insurer must also give you a copy of the policy. Under <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.4137.html\">Fla. Stat. \u00a7 627.4137<\/a>, an insurer that may provide liability coverage must provide, within 30 days of the claimant&#8217;s written request, a sworn statement listing each known policy, including the insurer&#8217;s name, each insured, the limits of liability coverage, any policy or coverage defense the insurer reasonably believes is available, and a copy of the policy.<\/p>\n<p>The insured person, or their insurance agent, must also disclose the names and coverage of other known insurers. This applies when you or your attorney asks in writing.<\/p>\n<h2>What If the Other Driver Doesn&#8217;t Have Enough Insurance?<\/h2>\n<p>Your own uninsured or underinsured motorist coverage may apply. This is coverage on your own policy for when the other driver has too little insurance.<\/p>\n<p>Under <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.727.html\">Fla. Stat. \u00a7 627.727<\/a>, a vehicle counts as underinsured when the liability limits its insurer has provided are less than the total damages sustained by you, the person legally entitled to recover damages. Liability limits are the most a policy pays for harm its driver causes.<\/p>\n<p>If the other driver&#8217;s insurer becomes insolvent, meaning it cannot pay its debts, Florida law treats that insured vehicle as uninsured.<\/p>\n<p>Check your own policy&#8217;s coverage now. Do it before you need it.<\/p>\n\n<div class=\"cta-dose-mid wp-block-group has-base-color has-accent-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-32197852 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--accent,#20242e);color:var(--wp--preset--color--base,#ffffff);border-radius:8px;padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem;border-left:6px solid var(--wp--preset--color--cta,currentColor);box-shadow:0 2px 10px rgba(0,0,0,0.18)\">\n<h3 class=\"wp-block-heading has-base-color has-text-color\">Not sure what your next step is?<\/h3><p class=\"wp-block-paragraph\">Talk it through with our team &#8212; the first consultation is free, confidential, and carries no obligation.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Get a free consultation<\/a><\/div><div class=\"wp-block-button chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Get a free consultation<\/a><\/div><\/div>\n<\/div>\n<h2>Fault and Filing Deadlines in Florida<\/h2>\n<p>Fault can be shared between drivers. Under <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0700-0799\/0768\/Sections\/0768.81.html\">Florida&#8217;s comparative fault statute<\/a>, each driver&#8217;s share of fault matters:<\/p>\n<ul>\n<li>In a negligence action, a person found more than 50% at fault for their own harm may not recover any damages, except in an action for personal injury or wrongful death arising out of medical negligence.<\/li>\n<li>Under Florida&#8217;s comparative fault rules, a person found more than 50 percent at fault for their own harm may not recover any damages.<\/li>\n<\/ul>\n<p>This comes from <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0700-0799\/0768\/Sections\/0768.81.html\">Fla. Stat. \u00a7 768.81(6)<\/a>. A limitations statute sets the time limit for filing a lawsuit. Negligence means carelessness that causes harm.<\/p>\n<p>Deadlines apply. Contact our team promptly rather than waiting.<\/p>\n<h2>When a Car Crash Is Fatal<\/h2>\n<p>A crash that causes a death brings a different kind of loss. Florida law lets the decedent&#8217;s personal representative bring a <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0700-0799\/0768\/Sections\/0768.20.html\">wrongful death claim<\/a> for the survivors and the estate.<\/p>\n<ul>\n<li>The decedent is the person who died.<\/li>\n<li>The personal representative is the person legally in charge of the estate, which is the property the person left behind.<\/li>\n<li>The survivors are the family members left behind.<\/li>\n<\/ul>\n<p>Families are often focused on funeral arrangements and the children left behind. That is understandable.<\/p>\n<p>Our team handles car accident claims. We can explain how these rules apply to your family&#8217;s situation. You don&#8217;t have to sort out the paperwork alone.<\/p>\n<h2>Frequently Asked Questions<\/h2><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>Is a car accident report available in Florida?<\/summary><p class=\"wp-block-paragraph\">Yes.<\/p><\/details><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>Can I ask the other driver&#8217;s insurer for policy limits?<\/summary><p class=\"wp-block-paragraph\">Yes. Ask in writing. The insurer must respond with a sworn statement within 30 days.<\/p><\/details><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>What is personal injury protection?<\/summary><p class=\"wp-block-paragraph\">It is no-fault coverage. It pays a set limit for medical and disability benefits after a Florida crash.<\/p><\/details><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>How long do I have to file a lawsuit in Florida?<\/summary><p class=\"wp-block-paragraph\">The time limits for filing a lawsuit are set out in <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0000-0099\/0095\/Sections\/0095.11.html\">Fla. Stat. \u00a7 95.11<\/a>. That section states that actions other than for recovery of real property must be commenced within the periods it lists. Deadlines apply, so act promptly.<\/p><\/details><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>Does my fault reduce what I can recover?<\/summary><p class=\"wp-block-paragraph\">Yes. If you are more than 50% at fault, you recover nothing under Florida&#8217;s rule.<\/p><\/details>\n<figure class=\"wp-block-image size-large has-custom-border\"><img decoding=\"async\" src=\"https:\/\/chglawyers.com\/resources\/wp-content\/uploads\/2026\/09\/damaged-truck-with-police-tape-at-accident-scene-photo-30-1024x682.jpg\" alt=\"Damaged truck with police tape at accident scene.\" style=\"border-radius:8px;width:100%;aspect-ratio:16\/9;object-fit:cover\"\/><\/figure>\n<h2>Talk With Us About Your Crash<\/h2>\n<p>If you are waiting on a crash report or trying to learn which insurance may pay your bills, you don&#8217;t have to figure it out alone.<\/p>\n<p>CHG Personal Injury Lawyers serves clients throughout Florida. We offer a free, confidential, no-obligation consultation. <a href=\"https:\/\/chglawyers.com\/contact-us\/\">Contact our team<\/a> to talk about your situation.<\/p>\n<p>CHG charges no attorney&#8217;s fees and no case costs unless there is a recovery.<\/p>\n<p><em>Igor Hernandez is responsible for this page. He is an attorney admitted to The Florida Bar. CHG Personal Injury Lawyers is a Florida-based personal injury firm.<\/em><\/p>\n\n<\/article>\n<footer class=\"disclaimer\"><em>This is attorney advertising. The information provided is for general informational purposes only and is not legal advice. Prior results do not guarantee a similar outcome, and contacting the firm does not create an attorney-client relationship. Cornish Hernandez Gonzalez, PLLC, 2525 Ponce de Leon Blvd, Suite 300, Coral Gables, FL 33134.<\/em><\/footer>\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-583d630a wp-block-group-is-layout-constrained\" style=\"padding-top:3rem;padding-bottom:3rem;padding-left:1.5rem;padding-right:1.5rem\">\n\n<div class=\"cta-dose-mid wp-block-group has-base-color has-accent-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-32197852 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--accent,#20242e);color:var(--wp--preset--color--base,#ffffff);border-radius:8px;padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem;border-left:6px solid var(--wp--preset--color--cta,currentColor);box-shadow:0 2px 10px rgba(0,0,0,0.18)\">\n<h3 class=\"wp-block-heading has-base-color has-text-color\">Have questions about what happened?<\/h3><p class=\"wp-block-paragraph\">Ask our team directly. The first conversation is free, confidential, and there is no obligation to continue.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Talk to our team<\/a><\/div><div class=\"wp-block-button chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Talk to our team<\/a><\/div><\/div>\n<\/div>\n<h2 class=\"wp-block-heading has-text-align-center\">Why Floridians Bring Their Crash Questions to CHG<\/h2>\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-f56f613f wp-block-columns-is-layout-flex\"><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p class=\"wp-block-paragraph\"><span class=\"chg-icon chg-icon--shield\"><\/span><\/p><h3 class=\"wp-block-heading\">Florida-based attorneys<\/h3><p class=\"wp-block-paragraph\">Our attorneys are admitted to The Florida Bar and focus on personal injury cases for people hurt in Florida.<\/p><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p class=\"wp-block-paragraph\"><span class=\"chg-icon chg-icon--chat\"><\/span><\/p><h3 class=\"wp-block-heading\">Free first consultation<\/h3><p class=\"wp-block-paragraph\">Your first consultation is confidential and comes with no obligation to continue.<\/p><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p class=\"wp-block-paragraph\"><span class=\"chg-icon chg-icon--document\"><\/span><\/p><h3 class=\"wp-block-heading\">No fees unless there is a recovery<\/h3><p class=\"wp-block-paragraph\">CHG charges no attorney&#x27;s fees and no case costs unless there is a recovery.<\/p><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p class=\"wp-block-paragraph\"><span class=\"chg-icon chg-icon--users\"><\/span><\/p><h3 class=\"wp-block-heading\">Plain-language guidance<\/h3><p class=\"wp-block-paragraph\">We explain insurance terms, claim steps, and your options in clear language, in English and Spanish.<\/p><\/div><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-base-color has-accent-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-32197852 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--accent,#20242e);color:var(--wp--preset--color--base,#ffffff);border-radius:8px;padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem;border-left:6px solid var(--wp--preset--color--cta,currentColor);box-shadow:0 2px 10px rgba(0,0,0,0.18)\">\n<h3 class=\"wp-block-heading has-base-color has-text-color\">Important: The Insurance Company Is Not on Your Side<\/h3><p class=\"wp-block-paragraph\">The other driver&#x27;s insurance adjuster works for the insurer, not for you. Before you accept a settlement, sign a release, or give a recorded statement, talk with a lawyer about what the paperwork means.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Speak with CHG before you sign<\/a><\/div><div class=\"wp-block-button chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Speak with CHG before you sign<\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-surface-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-583d630a wp-block-group-is-layout-constrained\" style=\"padding-top:3rem;padding-bottom:3rem;padding-left:1.5rem;padding-right:1.5rem\">\n<h2 class=\"wp-block-heading has-text-align-center\">Steps That Can Help After a Florida Car Crash<\/h2>\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-f56f613f wp-block-columns-is-layout-flex\"><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-group has-base-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;box-shadow:0 4px 14px rgba(0,0,0,0.08);padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem\"><h3 class=\"wp-block-heading\">Get medical care<\/h3><p class=\"wp-block-paragraph\">See a doctor promptly and follow your doctor&#x27;s care plan. Keeping up with treatment also creates a record of your injuries.<\/p><\/div><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-group has-base-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;box-shadow:0 4px 14px rgba(0,0,0,0.08);padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem\"><h3 class=\"wp-block-heading\">Keep your records<\/h3><p class=\"wp-block-paragraph\">Save the crash report, photos, bills, prescriptions, and pay stubs for any time missed from work.<\/p><\/div><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-group has-base-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;box-shadow:0 4px 14px rgba(0,0,0,0.08);padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem\"><h3 class=\"wp-block-heading\">Track communications<\/h3><p class=\"wp-block-paragraph\">Keep notes of calls and letters from insurance companies, and send nothing to them without reviewing it first.<\/p><\/div><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-group has-base-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;box-shadow:0 4px 14px rgba(0,0,0,0.08);padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem\"><h3 class=\"wp-block-heading\">Ask a lawyer to review your claim<\/h3><p class=\"wp-block-paragraph\">A lawyer can explain your coverage, the claim process, and what deadlines may apply to your case.<\/p><\/div><\/div><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-base-color has-primary-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-4d466591 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--primary,#20242e);color:var(--wp--preset--color--base,#ffffff);padding-top:3rem;padding-bottom:3rem;padding-left:1.5rem;padding-right:1.5rem\">\n<h2 class=\"wp-block-heading has-text-align-center has-base-color has-text-color\">Have Questions About Your Car Accident Claim? Talk With CHG.<\/h2>\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-0aa01211 wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Request your free, confidential consultation<\/a><\/div><div class=\"wp-block-button chg-cta chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Request your free, confidential consultation<\/a><\/div><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\">Related practice areas<\/h2><ul class=\"wp-block-list\"><li><a href=\"\/resources\/car-accident-settlements-florida\/car-accident-apps-real-time-traffic\/\">Car Accident Apps Real Time Traffic<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/florida\/\">Car Accidents in Florida<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/miami\/\">Car Accidents in Miami<\/a><\/li><\/ul>\n<!-- chg:section-siblings -->\n<nav aria-label=\"More in this section\">\n<h2>More in this section<\/h2>\n<ul><li><a href=\"\/resources\/car-accident-settlements-florida\/catastrophic-car-accident-injuries\/\">Catastrophic Car Accident Injuries: Spinal Cord, Brain, Amputation<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/catastrophic-car-accident-permanent-disability\/\">Catastrophic Car Accident Injuries: Permanent Disability Claims<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/chronic-pain-car-accident-claim\/\">Chronic Pain After a Car Accident: How It Affects Your Claim<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/comparative-fault-car-accident-florida\/\">Comparative Fault Car Accident Florida<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/comparative-negligence-florida-car-accident\/\">Comparative Negligence in Florida Car Accident Claims<\/a><\/li><\/ul>\n<\/nav>\n<!-- \/chg:section-siblings -->","protected":false},"excerpt":{"rendered":"<p>Florida crash reports, insurer disclosure rules, and what shapes an average insurance payout for a car accident. Learn what you can request next.<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":39266,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"chg_review":"","chg_sendback":"","chg_canonical":"","chg_lang":"","chg_hreflang":"[{\"hreflang\": \"en\", \"href\": \"https:\/\/chglawyers.com\/resources\/car-accident-settlements-florida\/car-accidents-public-record\/\"}, {\"hreflang\": \"es\", \"href\": \"https:\/\/chglawyers.com\/resources\/es\/liquidacion-accidentes-autos-florida\/accidentes-vehiculares-registro-publico\/\"}, {\"hreflang\": \"x-default\", \"href\": \"https:\/\/chglawyers.com\/resources\/car-accident-settlements-florida\/car-accidents-public-record\/\"}]","chg_jsonld":"[{\"about\": [{\"@type\": \"Thing\", \"name\": \"Personal injury\", \"sameAs\": \"https:\/\/en.wikipedia.org\/wiki\/Personal_injury\"}, {\"@type\": \"Thing\", \"name\": \"Statute of limitations\", \"sameAs\": \"https:\/\/en.wikipedia.org\/wiki\/Statute_of_limitations\"}], \"author\": {\"@type\": \"Organization\", \"@id\": \"https:\/\/chglawyers.com\/resources\/#organization\", \"name\": \"CHG Personal Injury Lawyers\", \"url\": \"https:\/\/chglawyers.com\/\"}, \"@context\": \"https:\/\/schema.org\", \"headline\": \"Average Insurance Payout for Car Accident in Florida\", \"keywords\": [\"average insurance payout for car accident\", \"Florida car accident claim\", \"Florida crash report\"], \"publisher\": {\"@type\": \"Organization\", \"@id\": \"https:\/\/chglawyers.com\/resources\/#organization\", \"name\": \"CHG Personal Injury Lawyers\", \"url\": \"https:\/\/chglawyers.com\/\"}, \"speakable\": {\"@type\": \"SpeakableSpecification\", \"cssSelector\": [\"article > p:first-of-type\", \".wp-block-details p\", \"article > h1\"]}, \"areaServed\": {\"name\": \"Florida\", \"@type\": \"State\"}, \"inLanguage\": \"en-US\", \"description\": \"Florida crash reports, insurer disclosure rules, and what shapes an average insurance payout for a car accident. Learn what you can request next.\", \"mentions\": [{\"@type\": \"Thing\", \"name\": \"Comparative negligence\", \"sameAs\": \"https:\/\/en.wikipedia.org\/wiki\/Comparative_negligence\"}, {\"@type\": \"Thing\", \"name\": \"Florida Statutes\", \"sameAs\": \"https:\/\/www.wikidata.org\/wiki\/Q16152590\"}], \"reviewedBy\": {\"@type\": \"Person\", \"name\": \"Igor Hernandez\", \"url\": \"https:\/\/chglawyers.com\/our-firm\/\", \"jobTitle\": \"Attorney\", \"sameAs\": [\"https:\/\/www.floridabar.org\/directories\/find-mbr\/profile\/?num=106386\", \"https:\/\/www.linkedin.com\/in\/igorh\/\", \"https:\/\/profiles.superlawyers.com\/florida\/miami\/lawyer\/igor-hernandez\/cd5f52fd-6cf1-4c47-8c6e-5e8f339a380d.html\"]}, \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Is a car accident report available in Florida?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes.\"}}, {\"@type\": \"Question\", \"name\": \"Can I ask the other driver\u2019s insurer for policy limits?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes. Ask in writing. The insurer must respond with a sworn statement within 30 days.\"}}, {\"@type\": \"Question\", \"name\": \"What is personal injury protection?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"It is no-fault coverage. It pays a set limit for medical and disability benefits after a Florida crash.\"}}, {\"@type\": \"Question\", \"name\": \"How long do I have to file a lawsuit in Florida?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"The time limits for filing a lawsuit are set out in Fla. Stat. \u00a7 95.11. That section states that actions other than for recovery of real property must be commenced within the periods it lists. Deadlines apply, so act promptly.\"}}, {\"@type\": \"Question\", \"name\": \"Does my fault reduce what I can recover?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes. If you are more than 50% at fault, you recover nothing under Florida\u2019s rule.\"}}], \"@type\": [\"Article\", \"FAQPage\"], \"image\": \"https:\/\/chglawyers.com\/resources\/wp-content\/uploads\/2026\/09\/damaged-car-crashed-into-street-lamp-post-during-evening-photo.jpg\"}, {\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Home\", \"item\": \"https:\/\/chglawyers.com\/resources\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Car Accident Settlements Florida\", \"item\": \"https:\/\/chglawyers.com\/resources\/car-accident-settlements-florida\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Average Insurance Payout for Car Accident in Florida\", \"item\": \"https:\/\/chglawyers.com\/resources\/car-accident-settlements-florida\/car-accidents-public-record\/\"}]}]","chg_meta_description":"Florida crash reports, insurer disclosure rules, and what shapes an average insurance payout for a car accident. Learn what you can request next.","footnotes":""},"class_list":["post-50557","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/chglawyers.com\/resources\/wp-json\/wp\/v2\/pages\/50557","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/chglawyers.com\/resources\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/chglawyers.com\/resources\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/chglawyers.com\/resources\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/chglawyers.com\/resources\/wp-json\/wp\/v2\/comments?post=50557"}],"version-history":[{"count":5,"href":"https:\/\/chglawyers.com\/resources\/wp-json\/wp\/v2\/pages\/50557\/revisions"}],"predecessor-version":[{"id":91456,"href":"https:\/\/chglawyers.com\/resources\/wp-json\/wp\/v2\/pages\/50557\/revisions\/91456"}],"up":[{"embeddable":true,"href":"https:\/\/chglawyers.com\/resources\/wp-json\/wp\/v2\/pages\/39266"}],"wp:attachment":[{"href":"https:\/\/chglawyers.com\/resources\/wp-json\/wp\/v2\/media?parent=50557"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}