A car accident can turn your day upside down in the blink of an eye—one second you’re driving peacefully, and the next, you’re dealing with insurance headaches. But how long do you actually have to report the accident to your insurance company? The answer isn’t always black and white, and if you wait too long, you could be shooting yourself in the foot when it comes to filing a claim.
At The Perazzo Law Firm, our Miami car accident lawyers help clients in Florida and Georgia navigate insurance claims before it’s too late. Let’s break it down.
How Soon Should You Report a Car Accident in Florida and Georgia?
- Florida: There is no specific law stating exactly how many days you have to report an accident to your insurance, but most insurers require notification within 24 to 48 hours. Since Florida is a no-fault state, your Personal Injury Protection (PIP) coverage kicks in first, and you must seek medical treatment within 14 days to qualify for PIP benefits.
- Georgia: Unlike Florida, Georgia is an at-fault state, meaning the driver responsible for the accident must cover damages. Insurance companies typically require you to report the crash “promptly”, but many set a soft deadline of 30 days—waiting longer could give them a reason to deny your claim faster than a car hitting a patch of black ice.
What Happens If You Wait Too Long?
Think of your insurance policy like a safety net—if you don’t grab it in time, you might hit the ground hard. Failing to report a crash promptly could lead to:
✔️ Claim Denial – Insurance companies love loopholes. If you wait too long, they might say, “Sorry, we can’t verify your damages,” and leave you footing the bill.
✔️ Loss of PIP Benefits (Florida Only) – Miss the 14-day deadline for medical care? Say goodbye to your Personal Injury Protection coverage, even if you were seriously injured.
✔️ Disputed Liability (Georgia Cases) – The longer you wait, the harder it is to prove fault. If another driver is responsible, their insurance could argue that your delay means you weren’t actually hurt or that the damage came from something else.
What Should You Do After an Accident in Florida or Georgia?
🚗 Call 911 Immediately – In both states, you must report an accident if it involves injury, death, or at least $500 in property damage (Florida) or $1,000 in property damage (Georgia).
📷 Gather Evidence – Take photos, get witness statements, and document everything—because insurance adjusters will treat your claim like a crime scene investigation.
📞 Notify Your Insurance ASAP – Even if you think the damage is minor, don’t wait. Some policies require reporting within 48 hours, and the clock starts ticking the moment metal meets metal.
⚖️ Consult a Miami Car Accident Lawyer – Whether you’re in Florida or Georgia, don’t let insurance companies bully you into accepting less than you deserve. The Perazzo Law Firm fights to protect your rights, your claim, and your wallet.
In a Wreck? Don’t Wait—Call Today!
Time is not on your side when it comes to reporting a car accident. Whether you’re dealing with a Miami car crash or a Georgia highway pileup, let The Perazzo Law Firm guide you through the process. Contact us today for a free consultation—before it’s too late! 🚗⚖️
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