If you were hit by a driver from another state in Florida, the steps are mostly the same as any other car accident. However, insurance and legal issues can become more complicated when the other driver lives outside Florida.
Below are important steps to take if you are involved in a crash with an out-of-state driver in Florida:
- Call 911 and report the accident.
Ask for police and medical help if anyone is injured. A police report will be important for your claim. An official accident report can help document what happened and identify the drivers involved.
- Get the driver’s information.
Collect their name, contact details, driver’s license, license plate number, and insurance information. Out-of-state drivers are still required to carry insurance. Be sure to note the state where the vehicle is registered and the name of the insurance company listed on the driver’s policy.
- Take photos and gather evidence.
Photograph the vehicles, the scene of the crash, road conditions, and any visible injuries. If possible, also photograph license plates, traffic signals, road markings, and surrounding landmarks that may help identify the location of the crash.
- Seek medical care as soon as possible.
In Florida, you typically must obtain medical treatment from a qualified medical provider within 14 days to qualify for Personal Injury Protection (PIP) benefits. Even if injuries seem minor at first, prompt medical evaluation can help identify injuries that may not immediately appear after the crash.
- Report the accident to your insurance company.
Your own insurance may cover part of your medical expenses through PIP coverage, even if the other driver caused the crash. Florida is a no-fault insurance state, which means your own PIP coverage generally provides the first level of medical benefits after a crash.
- Understand that Florida law usually applies.
Even if the driver is from another state, accidents that occur in Florida are generally handled under Florida personal injury laws.
Quick Answer
Can you file a claim if the other driver is from another state?
Yes. You can still file an insurance claim and pursue compensation under Florida law if the accident happened in Florida. In many cases, accident victims may pursue compensation through insurance claims, personal injury protection benefits, or a negligence claim against the at-fault driver.
Additional Issues That May Arise With Out-of-State Drivers
When an accident involves a driver from another state, additional complications can sometimes arise, including:
- Insurance policies issued in another state;
- Different minimum coverage limits;
- Drivers returning to their home state after the crash
- Multiple insurance companies becoming involved.
Despite these complications, Florida courts generally have jurisdiction over accidents that occur within the state.
When to Consider Speaking With an Attorney
If the crash caused injuries, significant vehicle damage, or disputes about fault, speaking with a personal injury attorney can help clarify your legal options.
An attorney can help investigate the accident, communicate with insurance companies, and determine whether additional compensation may be available.
Final Thoughts
Accidents involving out-of-state drivers are common in Florida, especially in tourism-heavy areas like St. Petersburg and throughout Pinellas County.
Understanding how Florida’s insurance and liability laws apply can help you take the right steps after a crash and protect your ability to pursue compensation.
