Florida is a "no-fault" state regarding car insurance, which means that each driver's insurance company is responsible for covering their policyholder's injuries and damages, regardless of who was at fault in the accident. The purpose of the no-fault system is to reduce the number of lawsuits resulting from car accidents and to make it easier for individuals to recover damages.

Under Florida’s no-fault system with car accidents, a driver or passenger has 14 days to seek medical attention after a collision to file a claim with the insurance policy. Insurers are likely to deny a claim if you do not see a medical provider within two weeks of the accident. Even if you feel fine, visit your medical provider within two weeks of your accident.