Your Rights After an Accident in Florida

Florida law provides consumer protections after an auto accident, but many drivers are never clearly told how those protections apply during the insurance claim process.

This page explains how auto claims are supposed to be handled in Florida, what insurers are expected to do, and what you should understand before repairs begin.

How Auto Claims Are Handled in Florida

Auto insurance claims in Florida are governed by the Florida Insurance Code, including laws related to fair claims handling and unfair insurance practices.

These laws require insurers to investigate claims reasonably, communicate accurately with vehicle owners, and avoid misrepresentation during the claim process.

While Florida law does not guarantee specific repair outcomes or settlement amounts, it is intended to ensure claims are handled fairly and based on complete information.

You Have the Right to Choose the Repair Shop

In Florida, insurance companies may recommend repair facilities, but they cannot require you to use a specific shop.

Choosing your own repair shop does not void coverage, reduce payment, or eliminate warranty protections.

Insurance Cannot Steer Your Repair Decision

Florida law prohibits insurers from using misleading statements, pressure, or unfair practices to influence where repairs are performed.

Statements suggesting delays, lower quality repairs, or coverage issues based on shop choice reflect insurer preferences, not your legal rights.

Repair Estimates Are Often Incomplete

Initial insurance estimates in Florida are often written quickly to begin the claim process.

These estimates are not final repair plans. Additional damage, procedures, or safety considerations may be identified as repairs progress.

Safety Systems Must Be Considered

Modern vehicles rely on cameras, sensors, radar, and advanced driver assistance systems to operate safely.

These systems can be affected by even minor accidents and do not always trigger warning lights when out of calibration. If inspections or calibrations are required to restore safe operation, they must be considered as part of the repair.

Need Help Reviewing a Florida Estimate

EstiVerify reviews insurance estimates for missing repairs, underwritten procedures, and safety related items before repairs begin.

Related topics: Florida Total Loss | Florida Diminished Value